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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 | $6,377 | $62,166-89.7% | $81,353-92.2% | $74,459-91.4% |
| Participation rate | 24.0% | 64.1%-40.1pp | 69.5%-45.6pp | 67.2%-43.2pp |
| Annual return | 7.92% | 16.50%-8.6pp | 24.82%-16.9pp | 1369.70%-1361.8pp |
| Employer contribution / active EE | $0 | $1,881-100.0% | $2,464-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $858 | $3,223-73.4% | $3,885-77.9% | $4,350-80.3% |
| Admin fee / account holder | $2,274 | $1,925+18.2% | $5,766-60.6% | $1,945+16.9% |