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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 | $960 | $101,795-99.1% | $165,100-99.4% | $80,959-98.8% |
| Participation rate | 60.6% | 71.8%-11.2pp | 78.6%-18.0pp | 67.7%-7.1pp |
| Annual return | 0.08% | 16.73%-16.6pp | 70.21%-70.1pp | 35.67%-35.6pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $492 | $4,476-89.0% | $6,035-91.9% | $4,300-88.6% |
| Admin fee / account holder | $351 | $8,221-95.7% | $12,696-97.2% | $6,925-94.9% |