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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 | $3,366 | $82,288-95.9% | $68,794-95.1% | $134,509-97.5% |
| Participation rate | 40.0% | 75.1%-35.1pp | 69.0%-29.0pp | 81.2%-41.2pp |
| Annual return | -119.73% | -2.19%-117.5pp | -6.37%-113.4pp | 418.13%-537.9pp |
| Employer contribution / active EE | $721 | $3,301-78.2% | $2,656-72.8% | $4,741-84.8% |
| Participant deferral / active EE | $1,005 | $4,738-78.8% | $3,941-74.5% | $6,400-84.3% |
| Admin fee / account holder | $371 | $6,482-94.3% | $4,934-92.5% | $11,427-96.8% |