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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 | $6,050 | $105,160-94.2% | $94,679-93.6% | $139,456-95.7% |
| Participation rate | 47.1% | 82.4%-35.3pp | 80.8%-33.8pp | 80.3%-33.3pp |
| Annual return | -4.36% | 38.04%-42.4pp | 156.75%-161.1pp | 373.45%-377.8pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,673-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $2,223 | $7,599-70.7% | $7,417-70.0% | $6,711-66.9% |
| Admin fee / account holder | $900 | $8,988-90.0% | $7,233-87.6% | $11,407-92.1% |