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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 | $9,890 | $62,164-84.1% | $81,482-87.9% | $74,400-86.7% |
| Participation rate | 16.3% | 64.1%-47.8pp | 69.5%-53.2pp | 67.2%-50.9pp |
| Annual return | 10.44% | 16.50%-6.1pp | 24.79%-14.4pp | 1367.51%-1357.1pp |
| Employer contribution / active EE | $0 | $1,884-100.0% | $2,463-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $983 | $3,230-69.6% | $3,885-74.7% | $4,348-77.4% |
| Admin fee / account holder | $1,667 | $1,923-13.3% | $5,761-71.1% | $1,944-14.2% |