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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 | $3,525 | $133,981-97.4% | $112,249-96.9% | $134,532-97.4% |
| Participation rate | 62.5% | 78.6%-16.1pp | 75.1%-12.6pp | 81.2%-18.7pp |
| Annual return | -23.56% | 47.16%-70.7pp | 27.48%-51.0pp | 418.27%-441.8pp |
| Employer contribution / active EE | $901 | $4,040-77.7% | $3,636-75.2% | $4,741-81.0% |
| Participant deferral / active EE | $1,205 | $5,292-77.2% | $4,729-74.5% | $6,401-81.2% |
| Admin fee / account holder | $691 | $7,492-90.8% | $6,412-89.2% | $11,429-94.0% |