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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 | $9,791 | $52,639-81.4% | $185,117-94.7% | $62,293-84.3% |
| Participation rate | 10.8% | 63.9%-53.0pp | 77.3%-66.5pp | 69.5%-58.7pp |
| Annual return | 7.86% | 19.57%-11.7pp | 40.50%-32.6pp | 28.90%-21.0pp |
| Employer contribution / active EE | $0 | $1,483-100.0% | $4,182-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $521 | $3,097-83.2% | $5,045-89.7% | $3,169-83.6% |
| Admin fee / account holder | $958 | $374+156.3% | $8,159-88.3% | $479+99.8% |