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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 | $9,780 | $55,437-82.4% | $155,534-93.7% | $74,459-86.9% |
| Participation rate | 11.0% | 61.9%-50.9pp | 78.2%-67.2pp | 67.2%-56.2pp |
| Annual return | 7.54% | 269.58%-262.0pp | 64.92%-57.4pp | 1369.70%-1362.2pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $689 | $2,837-75.7% | $5,630-87.8% | $4,350-84.2% |
| Admin fee / account holder | $2,085 | $1,742+19.7% | $15,900-86.9% | $1,945+7.2% |