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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 | $3,059 | $48,284-93.7% | $67,524-95.5% | $80,911-96.2% |
| Participation rate | 21.9% | 66.4%-44.5pp | 72.9%-51.0pp | 67.6%-45.8pp |
| Annual return | 5.79% | 18.27%-12.5pp | 3519.41%-3513.6pp | 35.63%-29.8pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $2,734-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $528 | $2,927-81.9% | $4,001-86.8% | $4,297-87.7% |
| Admin fee / account holder | $392 | $3,688-89.4% | $4,001-90.2% | $6,935-94.3% |