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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 | $16,821 | $88,186-80.9% | $165,071-89.8% | $74,459-77.4% |
| Participation rate | 14.0% | 73.1%-59.1pp | 78.6%-64.6pp | 67.2%-53.2pp |
| Annual return | 7.59% | 17.13%-9.5pp | 70.17%-62.6pp | 1369.70%-1362.1pp |
| Employer contribution / active EE | $0 | $2,600-100.0% | $4,347-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $824 | $4,505-81.7% | $6,035-86.4% | $4,350-81.1% |
| Admin fee / account holder | $1,289 | $2,234-42.3% | $12,695-89.8% | $1,945-33.7% |