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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 | $26,520 | $101,499-73.9% | $147,005-82.0% | $74,546-64.4% |
| Participation rate | 21.4% | 75.5%-54.1pp | 82.2%-60.7pp | 67.2%-45.8pp |
| Annual return | 12.46% | 8732.34%-8719.9pp | 418.76%-406.3pp | 1366.03%-1353.6pp |
| Employer contribution / active EE | $0 | $3,811-100.0% | $4,934-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $1,181 | $7,304-83.8% | $8,070-85.4% | $4,347-72.8% |
| Admin fee / account holder | $2,344 | $1,748+34.1% | $13,006-82.0% | $1,944+20.6% |