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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 | $16,570 | $52,450-68.4% | $129,397-87.2% | $74,429-77.7% |
| Participation rate | 1.8% | 53.8%-52.0pp | 69.6%-67.8pp | 67.2%-65.4pp |
| Annual return | 6.72% | 15.65%-8.9pp | 9453.98%-9447.3pp | 1368.38%-1361.7pp |
| Employer contribution / active EE | $0 | $1,532-100.0% | $4,154-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $341 | $2,797-87.8% | $4,167-91.8% | $4,348-92.2% |
| Admin fee / account holder | $9,556 | $2,636+262.5% | $7,679+24.5% | $1,944+391.5% |