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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 | $17,517 | $150,435-88.4% | $120,580-85.5% | $145,897-88.0% |
| Participation rate | 38.5% | 78.8%-40.3pp | 72.0%-33.5pp | 80.3%-41.8pp |
| Annual return | 5.07% | 154.60%-149.5pp | 107.48%-102.4pp | 552.29%-547.2pp |
| Employer contribution / active EE | $0 | $4,352-100.0% | $3,469-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $604 | $6,174-90.2% | $4,995-87.9% | $6,689-91.0% |
| Admin fee / account holder | $2,638 | $12,182-78.3% | $9,418-72.0% | $13,390-80.3% |