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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 | $19,671 | $69,774-71.8% | $67,561-70.9% | $74,429-73.6% |
| Participation rate | 22.5% | 71.4%-48.8pp | 72.9%-50.4pp | 67.2%-44.7pp |
| Annual return | 7.66% | -40.53%+48.2pp | 3525.44%-3517.8pp | 1368.38%-1360.7pp |
| Employer contribution / active EE | $0 | $2,710-100.0% | $2,735-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $993 | $3,636-72.7% | $4,003-75.2% | $4,348-77.2% |
| Admin fee / account holder | $855 | $890-3.9% | $4,006-78.7% | $1,944-56.0% |