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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 | $11,022 | $135,645-91.9% | $110,243-90.0% | $135,380-91.9% |
| Participation rate | 34.8% | 83.5%-48.7pp | 79.8%-45.0pp | 82.6%-47.9pp |
| Annual return | -9.83% | 513.24%-523.1pp | 314.76%-324.6pp | 519.81%-529.6pp |
| Employer contribution / active EE | $0 | $4,907-100.0% | $3,827-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,464 | $5,507-73.4% | $4,672-68.7% | $5,609-73.9% |
| Admin fee / account holder | $456 | $11,458-96.0% | $8,548-94.7% | $10,828-95.8% |