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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 | $20,695 | $56,200-63.2% | $67,653-69.4% | $59,633-65.3% |
| Participation rate | 46.5% | 71.5%-25.0pp | 75.7%-29.2pp | 68.7%-22.2pp |
| Annual return | -3.86% | 18506.71%-18510.6pp | 6625.22%-6629.1pp | 2041.40%-2045.3pp |
| Employer contribution / active EE | $326 | $1,615-79.8% | $2,266-85.6% | $2,203-85.2% |
| Participant deferral / active EE | $1,138 | $2,843-60.0% | $3,560-68.0% | $3,192-64.3% |
| Admin fee / account holder | $844 | $3,959-78.7% | $4,821-82.5% | $4,297-80.4% |