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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 | $17,704 | $73,532-75.9% | $178,540-90.1% | $74,459-76.2% |
| Participation rate | 8.8% | 66.6%-57.8pp | 77.1%-68.3pp | 67.2%-58.4pp |
| Annual return | -0.67% | 17.51%-18.2pp | 27.15%-27.8pp | 1369.70%-1370.4pp |
| Employer contribution / active EE | $0 | $2,221-100.0% | $3,953-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $750 | $4,519-83.4% | $6,281-88.1% | $4,350-82.8% |
| Admin fee / account holder | $1,761 | $1,813-2.8% | $10,424-83.1% | $1,945-9.4% |