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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 | $9,487 | $138,068-93.1% | $125,358-92.4% | $134,493-92.9% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -22.38% | 750.30%-772.7pp | 572.03%-594.4pp | 418.01%-440.4pp |
| Employer contribution / active EE | $1,484 | $5,244-71.7% | $4,814-69.2% | $4,740-68.7% |
| Participant deferral / active EE | $1,873 | $7,799-76.0% | $7,447-74.8% | $6,400-70.7% |
| Admin fee / account holder | $3,556 | $11,568-69.3% | $10,007-64.5% | $11,425-68.9% |