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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 | $3,502 | $52,450-93.3% | $129,384-97.3% | $74,459-95.3% |
| Participation rate | 66.4% | 53.8%+12.5pp | 69.6%-3.3pp | 67.2%-0.8pp |
| Annual return | 10.75% | 15.65%-4.9pp | 9461.77%-9451.0pp | 1369.70%-1359.0pp |
| Employer contribution / active EE | $0 | $1,532-100.0% | $4,153-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $822 | $2,797-70.6% | $4,166-80.3% | $4,350-81.1% |
| Admin fee / account holder | $678 | $2,636-74.3% | $7,686-91.2% | $1,945-65.1% |