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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 | $3,356 | $73,107-95.4% | $114,563-97.1% | $87,485-96.2% |
| Participation rate | 63.5% | 65.8%-2.3pp | 72.9%-9.4pp | 68.9%-5.5pp |
| Annual return | 8.59% | 19.47%-10.9pp | 241.09%-232.5pp | 26.06%-17.5pp |
| Employer contribution / active EE | $0 | $1,881-100.0% | $2,592-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $316 | $3,144-90.0% | $4,142-92.4% | $4,274-92.6% |
| Admin fee / account holder | $669 | $5,770-88.4% | $7,623-91.2% | $7,775-91.4% |