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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 | $10,345 | $81,208-87.3% | $98,916-89.5% | $79,858-87.0% |
| Participation rate | 10.8% | 72.5%-61.7pp | 76.0%-65.2pp | 69.6%-58.8pp |
| Annual return | 7.74% | 60.99%-53.3pp | 196.45%-188.7pp | 31.72%-24.0pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $2,689-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $179 | $3,265-94.5% | $4,245-95.8% | $3,740-95.2% |
| Admin fee / account holder | $1,390 | $6,013-76.9% | $6,642-79.1% | $5,306-73.8% |