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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 | $13,008 | $55,470-76.6% | $155,556-91.6% | $74,478-82.5% |
| Participation rate | 9.2% | 61.9%-52.7pp | 78.2%-69.0pp | 67.2%-58.0pp |
| Annual return | 3.64% | 269.80%-266.2pp | 64.84%-61.2pp | 1370.56%-1366.9pp |
| Employer contribution / active EE | $0 | $2,267-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $309 | $2,838-89.1% | $5,631-94.5% | $4,350-92.9% |
| Admin fee / account holder | $1,510 | $1,744-13.4% | $15,885-90.5% | $1,946-22.4% |