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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 | $6,667 | $68,412-90.3% | $94,679-93.0% | $75,181-91.1% |
| Participation rate | 40.9% | 76.1%-35.2pp | 80.8%-39.9pp | 67.2%-26.3pp |
| Annual return | 1.00% | 616.91%-615.9pp | 156.75%-155.8pp | 160.69%-159.7pp |
| Employer contribution / active EE | $0 | $2,701-100.0% | $3,673-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,742 | $6,537-73.4% | $7,417-76.5% | $4,126-57.8% |
| Admin fee / account holder | $1,565 | $5,326-70.6% | $7,233-78.4% | $5,650-72.3% |