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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 | $4,578 | $48,314-90.5% | $67,561-93.2% | $80,925-94.3% |
| Participation rate | 62.9% | 66.4%-3.5pp | 72.9%-10.0pp | 67.7%-4.8pp |
| Annual return | 9.63% | 18.28%-8.7pp | 3525.44%-3515.8pp | 35.65%-26.0pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,735-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $723 | $2,927-75.3% | $4,003-81.9% | $4,299-83.2% |
| Admin fee / account holder | $620 | $3,690-83.2% | $4,006-84.5% | $6,940-91.1% |