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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 | $7,017 | $209,422-96.6% | $178,503-96.1% | $158,982-95.6% |
| Participation rate | 35.0% | 86.4%-51.4pp | 81.9%-46.9pp | 82.0%-47.0pp |
| Annual return | 1.16% | 188.81%-187.6pp | 151.12%-150.0pp | 302.99%-301.8pp |
| Employer contribution / active EE | $0 | $5,707-100.0% | $5,011-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $857 | $5,955-85.6% | $5,202-83.5% | $5,983-85.7% |
| Admin fee / account holder | $849 | $17,079-95.0% | $13,987-93.9% | $11,252-92.5% |