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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 | $10,547 | $102,429-89.7% | $147,096-92.8% | $80,925-87.0% |
| Participation rate | 7.0% | 75.9%-68.8pp | 82.2%-75.2pp | 67.7%-60.6pp |
| Annual return | 9.50% | 135.02%-125.5pp | 419.75%-410.3pp | 35.65%-26.2pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $721 | $6,649-89.2% | $8,071-91.1% | $4,299-83.2% |
| Admin fee / account holder | $5,109 | $7,957-35.8% | $13,005-60.7% | $6,940-26.4% |