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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 | $37,898 | $106,264-64.3% | $147,117-74.2% | $77,762-51.3% |
| Participation rate | 11.2% | 78.4%-67.3pp | 82.2%-71.0pp | 70.6%-59.4pp |
| Annual return | 11.99% | 56.94%-44.9pp | 420.54%-408.5pp | 31.27%-19.3pp |
| Employer contribution / active EE | $0 | $4,074-100.0% | $4,932-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,256 | $8,003-84.3% | $8,065-84.4% | $4,651-73.0% |
| Admin fee / account holder | $6,808 | $334+1936.1% | $12,993-47.6% | $433+1472.6% |