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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 | $5,673 | $77,901-92.7% | $149,717-96.2% | $75,181-92.5% |
| Participation rate | 5.5% | 65.6%-60.1pp | 78.8%-73.3pp | 67.2%-61.7pp |
| Annual return | 9.76% | 31.73%-22.0pp | 134.41%-124.7pp | 160.69%-150.9pp |
| Employer contribution / active EE | $0 | $3,137-100.0% | $4,820-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $231 | $3,411-93.2% | $5,682-95.9% | $4,126-94.4% |
| Admin fee / account holder | $480 | $5,949-91.9% | $13,213-96.4% | $5,650-91.5% |