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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 | $5,657 | $167,362-96.6% | $143,799-96.1% | $134,532-95.8% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -24.35% | 0.47%-24.8pp | -0.04%-24.3pp | 418.27%-442.6pp |
| Employer contribution / active EE | $1,216 | $5,620-78.4% | $4,952-75.4% | $4,741-74.3% |
| Participant deferral / active EE | $1,385 | $6,447-78.5% | $5,638-75.4% | $6,401-78.4% |
| Admin fee / account holder | $323 | $18,094-98.2% | $14,677-97.8% | $11,429-97.2% |