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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 | $6,402 | $61,815-89.6% | $97,295-93.4% | $80,959-92.1% |
| Participation rate | 40.0% | 63.5%-23.5pp | 72.7%-32.7pp | 67.7%-27.7pp |
| Annual return | 4.83% | -558.73%+563.6pp | 75.62%-70.8pp | 35.67%-30.8pp |
| Employer contribution / active EE | $0 | $1,836-100.0% | $2,723-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $881 | $3,027-70.9% | $4,264-79.3% | $4,300-79.5% |
| Admin fee / account holder | $751 | $5,166-85.5% | $5,646-86.7% | $6,925-89.2% |