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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 | $12,845 | $87,878-85.4% | $97,411-86.8% | $82,637-84.5% |
| Participation rate | 8.3% | 75.6%-67.3pp | 80.4%-72.0pp | 68.1%-59.7pp |
| Annual return | 10.44% | 54.63%-44.2pp | 34.72%-24.3pp | 53.51%-43.1pp |
| Employer contribution / active EE | $0 | $3,800-100.0% | $4,210-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $29 | $5,525-99.5% | $5,886-99.5% | $4,126-99.3% |
| Admin fee / account holder | $592 | $6,743-91.2% | $7,145-91.7% | $7,339-91.9% |