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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 | $14,038 | $138,102-89.8% | $125,381-88.8% | $134,532-89.6% |
| Participation rate | 40.0% | 84.5%-44.5pp | 82.4%-42.4pp | 81.2%-41.2pp |
| Annual return | -26.78% | 750.73%-777.5pp | 572.31%-599.1pp | 418.27%-445.0pp |
| Employer contribution / active EE | $1,106 | $5,245-78.9% | $4,815-77.0% | $4,741-76.7% |
| Participant deferral / active EE | $1,237 | $7,801-84.1% | $7,448-83.4% | $6,401-80.7% |
| Admin fee / account holder | $469 | $11,568-95.9% | $10,007-95.3% | $11,429-95.9% |