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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 | $5,670 | $162,136-96.5% | $152,301-96.3% | $154,746-96.3% |
| Participation rate | 13.3% | 84.1%-70.8pp | 82.4%-69.1pp | 80.7%-67.4pp |
| Annual return | -17.42% | 91.02%-108.4pp | 80.50%-97.9pp | 172.34%-189.8pp |
| Employer contribution / active EE | $0 | $4,890-100.0% | $4,624-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,257 | $8,341-84.9% | $8,004-84.3% | $6,730-81.3% |
| Admin fee / account holder | $2,787 | $15,759-82.3% | $14,398-80.6% | $14,365-80.6% |