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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 | $18,428 | $88,203-79.1% | $165,100-88.8% | $74,478-75.3% |
| Participation rate | 30.1% | 73.1%-43.0pp | 78.6%-48.5pp | 67.2%-37.1pp |
| Annual return | 9.65% | 17.13%-7.5pp | 70.21%-60.6pp | 1370.56%-1360.9pp |
| Employer contribution / active EE | $0 | $2,601-100.0% | $4,348-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $953 | $4,505-78.8% | $6,035-84.2% | $4,350-78.1% |
| Admin fee / account holder | $2,942 | $2,235+31.6% | $12,696-76.8% | $1,946+51.2% |