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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 | $2,769 | $39,766-93.0% | $66,674-95.8% | $71,012-96.1% |
| Participation rate | 7.1% | 47.7%-40.6pp | 73.7%-66.6pp | 58.6%-51.5pp |
| Annual return | 5.90% | 181.39%-175.5pp | 321.24%-315.3pp | 37.67%-31.8pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,620-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $35 | $1,868-98.1% | $4,084-99.1% | $3,246-98.9% |
| Admin fee / account holder | $316 | $1,097-71.2% | $5,098-93.8% | $1,167-72.9% |