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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 | $6,796 | $55,437-87.7% | $155,534-95.6% | $74,459-90.9% |
| Participation rate | 15.3% | 61.9%-46.6pp | 78.2%-62.9pp | 67.2%-51.9pp |
| Annual return | 6.35% | 269.58%-263.2pp | 64.92%-58.6pp | 1369.70%-1363.3pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $533 | $2,837-81.2% | $5,630-90.5% | $4,350-87.7% |
| Admin fee / account holder | $445 | $1,742-74.5% | $15,900-97.2% | $1,945-77.1% |