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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 | $5,928 | $65,423-90.9% | $98,477-94.0% | $85,856-93.1% |
| Participation rate | 15.1% | 65.0%-49.9pp | 73.3%-58.2pp | 69.3%-54.2pp |
| Annual return | 11.58% | 21.76%-10.2pp | 1493.59%-1482.0pp | 318.58%-307.0pp |
| Employer contribution / active EE | $0 | $2,168-100.0% | $2,961-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $419 | $3,167-86.8% | $4,276-90.2% | $3,952-89.4% |
| Admin fee / account holder | $1,526 | $4,594-66.8% | $5,951-74.4% | $6,261-75.6% |