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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 | $3,167 | $55,437-94.3% | $155,534-98.0% | $74,459-95.7% |
| Participation rate | 16.3% | 61.9%-45.6pp | 78.2%-61.9pp | 67.2%-50.9pp |
| Annual return | 9.19% | 269.58%-260.4pp | 64.92%-55.7pp | 1369.70%-1360.5pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $349 | $2,837-87.7% | $5,630-93.8% | $4,350-92.0% |
| Admin fee / account holder | $316 | $1,742-81.9% | $15,900-98.0% | $1,945-83.8% |