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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 | $22,791 | $102,385-77.7% | $147,080-84.5% | $80,935-71.8% |
| Participation rate | 20.0% | 75.9%-55.9pp | 82.2%-62.2pp | 67.7%-47.7pp |
| Annual return | 7.05% | 135.09%-128.0pp | 420.17%-413.1pp | 35.66%-28.6pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,835 | $6,651-72.4% | $8,066-77.3% | $4,299-57.3% |
| Admin fee / account holder | $1,243 | $7,951-84.4% | $12,989-90.4% | $6,924-82.1% |