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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 | $948 | $23,330-95.9% | $64,489-98.5% | $82,448-98.8% |
| Participation rate | 37.9% | 68.3%-30.4pp | 67.7%-29.8pp | 68.1%-30.1pp |
| Annual return | 4.10% | 83.66%-79.6pp | 55.03%-50.9pp | 41.64%-37.5pp |
| Employer contribution / active EE | $0 | $824-100.0% | $1,523-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $358 | $1,707-79.1% | $2,778-87.1% | $4,139-91.4% |
| Admin fee / account holder | $390 | $2,946-86.8% | $4,260-90.8% | $7,234-94.6% |