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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 | $5,004 | $176,077-97.2% | $159,455-96.9% | $167,518-97.0% |
| Participation rate | 59.1% | 84.9%-25.9pp | 82.8%-23.7pp | 82.1%-23.0pp |
| Annual return | 9.66% | 331.83%-322.2pp | 263.63%-254.0pp | 478.71%-469.0pp |
| Employer contribution / active EE | $0 | $5,298-100.0% | $4,830-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $1,172 | $7,751-84.9% | $7,353-84.1% | $6,342-81.5% |
| Admin fee / account holder | $569 | $12,556-95.5% | $10,800-94.7% | $12,312-95.4% |