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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 | $5,447 | $58,311-90.7% | $81,882-93.3% | $80,959-93.3% |
| Participation rate | 65.1% | 63.5%+1.6pp | 72.4%-7.3pp | 67.7%-2.6pp |
| Annual return | 8.33% | 41.85%-33.5pp | 779.47%-771.1pp | 35.67%-27.3pp |
| Employer contribution / active EE | $0 | $2,347-100.0% | $2,916-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $531 | $3,287-83.9% | $4,323-87.7% | $4,300-87.7% |
| Admin fee / account holder | $829 | $4,752-82.5% | $7,360-88.7% | $6,925-88.0% |