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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 | $17,924 | $69,774-74.3% | $67,561-73.5% | $74,429-75.9% |
| Participation rate | 31.3% | 71.4%-40.1pp | 72.9%-41.6pp | 67.2%-35.9pp |
| Annual return | 6.97% | -40.53%+47.5pp | 3525.44%-3518.5pp | 1368.38%-1361.4pp |
| Employer contribution / active EE | $0 | $2,710-100.0% | $2,735-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $453 | $3,636-87.5% | $4,003-88.7% | $4,348-89.6% |
| Admin fee / account holder | $453 | $890-49.1% | $4,006-88.7% | $1,944-76.7% |