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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 | $12,561 | $65,566-80.8% | $86,235-85.4% | $75,177-83.3% |
| Participation rate | 15.4% | 60.5%-45.1pp | 69.0%-53.6pp | 67.2%-51.8pp |
| Annual return | 9.44% | 46.07%-36.6pp | 1170.03%-1160.6pp | 160.75%-151.3pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,381-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $387 | $3,023-87.2% | $3,987-90.3% | $4,126-90.6% |
| Admin fee / account holder | $605 | $5,470-88.9% | $6,856-91.2% | $5,651-89.3% |