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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 | $12,351 | $80,781-84.7% | $102,437-87.9% | $74,478-83.4% |
| Participation rate | 59.8% | 65.7%-5.8pp | 74.5%-14.7pp | 67.2%-7.4pp |
| Annual return | 9.39% | 27.58%-18.2pp | 24.95%-15.6pp | 1370.56%-1361.2pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $3,871-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $894 | $3,862-76.8% | $5,060-82.3% | $4,350-79.4% |
| Admin fee / account holder | $415 | $2,372-82.5% | $8,388-95.1% | $1,946-78.7% |