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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 | $22,155 | $85,766-74.2% | $136,298-83.7% | $70,126-68.4% |
| Participation rate | 15.1% | 74.2%-59.1pp | 81.9%-66.8pp | 69.5%-54.4pp |
| Annual return | 13.36% | 31.46%-18.1pp | 5156.27%-5142.9pp | 73.15%-59.8pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,464 | $5,051-71.0% | $6,247-76.6% | $3,332-56.0% |
| Admin fee / account holder | $2,204 | $5,421-59.3% | $9,244-76.2% | $4,645-52.6% |