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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 | $7,519 | $70,666-89.4% | $169,385-95.6% | $75,181-90.0% |
| Participation rate | 35.9% | 64.8%-28.9pp | 77.2%-41.3pp | 67.2%-31.3pp |
| Annual return | 13.64% | 36.37%-22.7pp | 405.82%-392.2pp | 160.69%-147.0pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $4,012-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,374 | $4,308-68.1% | $6,221-77.9% | $4,126-66.7% |
| Admin fee / account holder | $2,699 | $5,402-50.0% | $9,011-70.1% | $5,650-52.2% |