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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 | $3,303 | $81,331-95.9% | $155,534-97.9% | $80,935-95.9% |
| Participation rate | 14.3% | 66.3%-52.0pp | 78.2%-63.9pp | 67.7%-53.4pp |
| Annual return | 9.74% | 33.37%-23.6pp | 64.92%-55.2pp | 35.66%-25.9pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $192 | $3,454-94.4% | $5,630-96.6% | $4,299-95.5% |
| Admin fee / account holder | $353 | $7,999-95.6% | $15,900-97.8% | $6,924-94.9% |