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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 | $8,487 | $60,139-85.9% | $90,461-90.6% | $79,856-89.4% |
| Participation rate | 27.2% | 65.0%-37.8pp | 72.7%-45.5pp | 69.6%-42.5pp |
| Annual return | 4.37% | 71.96%-67.6pp | 1294.76%-1290.4pp | 31.71%-27.3pp |
| Employer contribution / active EE | $381 | $2,069-81.6% | $3,264-88.3% | $2,471-84.6% |
| Participant deferral / active EE | $287 | $2,939-90.2% | $3,964-92.8% | $3,741-92.3% |
| Admin fee / account holder | $1,368 | $3,978-65.6% | $5,617-75.6% | $5,306-74.2% |