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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 | $11,198 | $105,145-89.4% | $94,664-88.2% | $139,466-92.0% |
| Participation rate | 29.2% | 82.4%-53.2pp | 80.8%-51.7pp | 80.3%-51.2pp |
| Annual return | 2.90% | 38.09%-35.2pp | 156.84%-153.9pp | 373.66%-370.8pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,673-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $1,226 | $7,599-83.9% | $7,417-83.5% | $6,712-81.7% |
| Admin fee / account holder | $3,861 | $8,972-57.0% | $7,222-46.5% | $11,409-66.2% |