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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 | $6,408 | $55,470-88.4% | $155,556-95.9% | $74,478-91.4% |
| Participation rate | 18.6% | 61.9%-43.3pp | 78.2%-59.6pp | 67.2%-48.6pp |
| Annual return | 7.57% | 269.80%-262.2pp | 64.84%-57.3pp | 1370.56%-1363.0pp |
| Employer contribution / active EE | $0 | $2,267-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $371 | $2,838-86.9% | $5,631-93.4% | $4,350-91.5% |
| Admin fee / account holder | $393 | $1,744-77.5% | $15,885-97.5% | $1,946-79.8% |