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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 | $4,656 | $102,393-95.5% | $147,041-96.8% | $80,911-94.2% |
| Participation rate | 30.8% | 75.9%-45.1pp | 82.2%-51.4pp | 67.6%-36.9pp |
| Annual return | 6.42% | 134.95%-128.5pp | 419.21%-412.8pp | 35.63%-29.2pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $369 | $6,647-94.4% | $8,071-95.4% | $4,297-91.4% |
| Admin fee / account holder | $397 | $7,943-95.0% | $13,006-97.0% | $6,935-94.3% |