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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 | $9,794 | $105,200-90.7% | $159,474-93.9% | $85,847-88.6% |
| Participation rate | 27.5% | 75.8%-48.3pp | 82.8%-55.3pp | 69.3%-41.8pp |
| Annual return | 10.39% | 45.08%-34.7pp | 263.68%-253.3pp | 318.61%-308.2pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,728 | $5,946-70.9% | $7,353-76.5% | $3,952-56.3% |
| Admin fee / account holder | $814 | $6,934-88.3% | $10,802-92.5% | $6,261-87.0% |