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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 | $19,387 | $59,467-67.4% | $93,727-79.3% | $74,478-74.0% |
| Participation rate | 12.3% | 59.6%-47.4pp | 68.7%-56.5pp | 67.2%-55.0pp |
| Annual return | 10.25% | 82.14%-71.9pp | 133.83%-123.6pp | 1370.56%-1360.3pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,421-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $777 | $3,052-74.5% | $4,417-82.4% | $4,350-82.1% |
| Admin fee / account holder | $1,489 | $3,028-50.8% | $8,292-82.0% | $1,946-23.5% |