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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 | $16,349 | $198,217-91.8% | $96,754-83.1% | - |
| Participation rate | 3.2% | 59.1%-55.9pp | 70.3%-67.1pp | - |
| Annual return | 1.55% | 9.45%-7.9pp | 82.04%-80.5pp | - |
| Employer contribution / active EE | $0 | $1,858-100.0% | $2,679-100.0% | - |
| Participant deferral / active EE | $180 | $3,727-95.2% | $4,758-96.2% | - |
| Admin fee / account holder | $909 | $27,022-96.6% | $8,905-89.8% | - |