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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 | $21,860 | $73,532-70.3% | $178,505-87.8% | $74,478-70.6% |
| Participation rate | 15.4% | 66.6%-51.2pp | 77.1%-61.7pp | 67.2%-51.8pp |
| Annual return | 8.27% | 17.49%-9.2pp | 27.16%-18.9pp | 1370.56%-1362.3pp |
| Employer contribution / active EE | $0 | $2,221-100.0% | $3,955-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $632 | $4,519-86.0% | $6,280-89.9% | $4,350-85.5% |
| Admin fee / account holder | $736 | $1,813-59.4% | $10,428-92.9% | $1,946-62.2% |