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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 | $7,989 | $154,228-94.8% | $145,433-94.5% | $137,256-94.2% |
| Participation rate | 57.1% | 83.8%-26.6pp | 82.1%-25.0pp | 80.0%-22.8pp |
| Annual return | -15.06% | 74.59%-89.6pp | 66.58%-81.6pp | 220.34%-235.4pp |
| Employer contribution / active EE | $1,069 | $4,804-77.8% | $4,554-76.5% | $4,156-74.3% |
| Participant deferral / active EE | $1,805 | $8,216-78.0% | $7,897-77.1% | $6,407-71.8% |
| Admin fee / account holder | $5,560 | $14,344-61.2% | $13,129-57.6% | $12,270-54.7% |