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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 | $25,202 | $101,539-75.2% | $147,041-82.9% | $74,400-66.1% |
| Participation rate | 39.6% | 75.5%-36.0pp | 82.2%-42.6pp | 67.2%-27.6pp |
| Annual return | 11.94% | 8740.84%-8728.9pp | 419.21%-407.3pp | 1367.51%-1355.6pp |
| Employer contribution / active EE | $0 | $3,811-100.0% | $4,935-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $2,718 | $7,304-62.8% | $8,071-66.3% | $4,348-37.5% |
| Admin fee / account holder | $1,553 | $1,749-11.2% | $13,006-88.1% | $1,944-20.1% |