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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 | $26,708 | $101,653-73.7% | $147,080-81.8% | $74,459-64.1% |
| Participation rate | 23.4% | 75.6%-52.2pp | 82.2%-58.8pp | 67.2%-43.8pp |
| Annual return | 4.45% | 8754.98%-8750.5pp | 420.17%-415.7pp | 1369.70%-1365.2pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,878 | $7,304-74.3% | $8,066-76.7% | $4,350-56.8% |
| Admin fee / account holder | $3,940 | $1,752+125.0% | $12,989-69.7% | $1,945+102.6% |