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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 | $17,058 | $125,237-86.4% | $105,608-83.8% | $145,877-88.3% |
| Participation rate | 22.2% | 77.7%-55.4pp | 75.3%-53.1pp | 80.3%-58.1pp |
| Annual return | -9.52% | 225.76%-235.3pp | 116.50%-126.0pp | 551.28%-560.8pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $836 | $5,711-85.4% | $5,010-83.3% | $6,691-87.5% |
| Admin fee / account holder | $3,734 | $17,287-78.4% | $11,028-66.1% | $13,402-72.1% |