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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 | $12,328 | $48,050-74.3% | $85,969-85.7% | $59,633-79.3% |
| Participation rate | 19.3% | 64.5%-45.1pp | 76.5%-57.2pp | 68.7%-49.4pp |
| Annual return | -3.01% | 0.29%-3.3pp | 9.32%-12.3pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $0 | $1,640-100.0% | $3,474-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $349 | $2,249-84.5% | $3,829-90.9% | $3,192-89.1% |
| Admin fee / account holder | $567 | $3,206-82.3% | $6,053-90.6% | $4,297-86.8% |