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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 | $10,817 | $175,257-93.8% | $149,717-92.8% | $139,456-92.2% |
| Participation rate | 40.0% | 83.4%-43.4pp | 78.8%-38.8pp | 80.3%-40.3pp |
| Annual return | -30.45% | 166.70%-197.1pp | 134.41%-164.9pp | 373.45%-403.9pp |
| Employer contribution / active EE | $1,151 | $5,477-79.0% | $4,820-76.1% | $4,753-75.8% |
| Participant deferral / active EE | $1,151 | $6,521-82.3% | $5,682-79.7% | $6,711-82.8% |
| Admin fee / account holder | $3,427 | $16,156-78.8% | $13,213-74.1% | $11,407-70.0% |