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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,025 | $27,800-89.1% | $58,561-94.8% | $71,511-95.8% |
| Participation rate | 18.8% | 34.6%-15.8pp | 50.9%-32.1pp | 67.9%-49.2pp |
| Annual return | 9.09% | 26.80%-17.7pp | 4251.33%-4242.2pp | 28.86%-19.8pp |
| Employer contribution / active EE | $0 | $632-100.0% | $1,053-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $171 | $1,208-85.9% | $1,923-91.1% | $4,291-96.0% |
| Admin fee / account holder | $944 | $1,637-42.4% | $2,520-62.6% | $1,588-40.6% |