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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 | $6,620 | $167,352-96.0% | $143,788-95.4% | $134,509-95.1% |
| Participation rate | 61.5% | 84.8%-23.3pp | 80.3%-18.8pp | 81.2%-19.7pp |
| Annual return | -22.61% | 0.47%-23.1pp | -0.03%-22.6pp | 418.13%-440.7pp |
| Employer contribution / active EE | $1,271 | $5,620-77.4% | $4,952-74.3% | $4,741-73.2% |
| Participant deferral / active EE | $2,015 | $6,447-68.7% | $5,638-64.3% | $6,400-68.5% |
| Admin fee / account holder | $1,776 | $18,091-90.2% | $14,675-87.9% | $11,427-84.5% |