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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 | $11,754 | $55,446-78.8% | $155,574-92.4% | $74,429-84.2% |
| Participation rate | 16.6% | 61.9%-45.3pp | 78.2%-61.6pp | 67.2%-50.6pp |
| Annual return | 9.31% | 269.20%-259.9pp | 64.87%-55.6pp | 1368.38%-1359.1pp |
| Employer contribution / active EE | $494 | $2,266-78.2% | $4,676-89.4% | $2,625-81.2% |
| Participant deferral / active EE | $421 | $2,836-85.2% | $5,629-92.5% | $4,348-90.3% |
| Admin fee / account holder | $881 | $1,743-49.4% | $15,914-94.5% | $1,944-54.7% |