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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $319,728 | $284,927+12.2% | $210,053+52.2% | $382,429-16.4% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.8%-30.8pp | 87.7%-37.7pp |
| Annual return | -4.19% | 281.55%-285.7pp | 232.76%-236.9pp | 248.85%-253.0pp |
| Employer contribution / active EE | $0 | $6,452-100.0% | $4,521-100.0% | $8,036-100.0% |
| Participant deferral / active EE | $2,113 | $4,567-53.7% | $4,238-50.2% | $5,727-63.1% |
| Admin fee / account holder | $14,002 | $19,753-29.1% | $16,990-17.6% | $30,732-54.4% |