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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 | $3,287 | $55,446-94.1% | $155,574-97.9% | $74,429-95.6% |
| Participation rate | 10.9% | 61.9%-51.0pp | 78.2%-67.4pp | 67.2%-56.4pp |
| Annual return | 4.83% | 269.20%-264.4pp | 64.87%-60.0pp | 1368.38%-1363.6pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,676-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $304 | $2,836-89.3% | $5,629-94.6% | $4,348-93.0% |
| Admin fee / account holder | $2,186 | $1,743+25.4% | $15,914-86.3% | $1,944+12.4% |