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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 | $11,398 | $137,414-91.7% | $189,537-94.0% | $85,847-86.7% |
| Participation rate | 48.1% | 84.6%-36.5pp | 87.8%-39.7pp | 69.3%-21.2pp |
| Annual return | 0.63% | 38.14%-37.5pp | 555.34%-554.7pp | 318.61%-318.0pp |
| Employer contribution / active EE | $2,362 | $4,344-45.6% | $6,161-61.7% | $2,565-7.9% |
| Participant deferral / active EE | $2,969 | $6,260-52.6% | $8,220-63.9% | $3,952-24.9% |
| Admin fee / account holder | $2,584 | $8,630-70.1% | $12,048-78.6% | $6,261-58.7% |