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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 | $6,326 | $190,879-96.7% | $160,009-96.0% | $134,532-95.3% |
| Participation rate | 53.3% | 82.0%-28.6pp | 78.0%-24.6pp | 81.2%-27.9pp |
| Annual return | -23.19% | 552.63%-575.8pp | 408.85%-432.0pp | 418.27%-441.5pp |
| Employer contribution / active EE | $741 | $4,995-85.2% | $4,225-82.5% | $4,741-84.4% |
| Participant deferral / active EE | $1,139 | $6,924-83.5% | $6,183-81.6% | $6,401-82.2% |
| Admin fee / account holder | $379 | $10,495-96.4% | $8,715-95.7% | $11,429-96.7% |