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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 | $10,771 | $161,888-93.3% | $147,318-92.7% | $100,573-89.3% |
| Participation rate | 1.3% | 78.1%-76.8pp | 82.1%-80.8pp | 70.9%-69.6pp |
| Annual return | 0.76% | 22.84%-22.1pp | 70.43%-69.7pp | 18.89%-18.1pp |
| Employer contribution / active EE | $0 | $5,949-100.0% | $4,593-100.0% | $3,763-100.0% |
| Participant deferral / active EE | $57 | $9,384-99.4% | $7,906-99.3% | $4,921-98.8% |
| Admin fee / account holder | $1,473 | $198+644.2% | $13,708-89.3% | $454+224.6% |