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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 | $6,334 | $138,075-95.4% | $123,552-94.9% | $135,379-95.3% |
| Participation rate | 63.6% | 84.7%-21.1pp | 82.3%-18.7pp | 82.6%-19.0pp |
| Annual return | -14.83% | 153.70%-168.5pp | 119.20%-134.0pp | 519.79%-534.6pp |
| Employer contribution / active EE | $1,002 | $5,152-80.5% | $4,628-78.3% | $4,779-79.0% |
| Participant deferral / active EE | $1,275 | $6,800-81.2% | $6,426-80.2% | $5,609-77.3% |
| Admin fee / account holder | $690 | $10,917-93.7% | $9,285-92.6% | $10,828-93.6% |