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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 | $737 | $60,504-98.8% | $81,882-99.1% | $74,478-99.0% |
| Participation rate | 44.6% | 62.9%-18.3pp | 72.4%-27.8pp | 67.2%-22.6pp |
| Annual return | 0.82% | 16.91%-16.1pp | 779.47%-778.7pp | 1370.56%-1369.7pp |
| Employer contribution / active EE | $0 | $2,627-100.0% | $2,916-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $193 | $3,400-94.3% | $4,323-95.5% | $4,350-95.6% |
| Admin fee / account holder | $409 | $1,492-72.6% | $7,360-94.4% | $1,946-79.0% |