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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 | $7,193 | $108,942-93.4% | $100,415-92.8% | $145,897-95.1% |
| Participation rate | 36.4% | 83.0%-46.6pp | 81.5%-45.2pp | 80.3%-43.9pp |
| Annual return | 4.39% | 58.27%-53.9pp | 49.47%-45.1pp | 552.29%-547.9pp |
| Employer contribution / active EE | $0 | $4,422-100.0% | $3,943-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $1,359 | $8,461-83.9% | $8,091-83.2% | $6,689-79.7% |
| Admin fee / account holder | $639 | $9,702-93.4% | $7,906-91.9% | $13,390-95.2% |