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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 | $12,609 | $138,068-90.9% | $125,358-89.9% | $134,493-90.6% |
| Participation rate | 52.9% | 84.5%-31.5pp | 82.4%-29.4pp | 81.2%-28.3pp |
| Annual return | -25.47% | 750.30%-775.8pp | 572.03%-597.5pp | 418.01%-443.5pp |
| Employer contribution / active EE | $1,239 | $5,244-76.4% | $4,814-74.3% | $4,740-73.9% |
| Participant deferral / active EE | $2,186 | $7,799-72.0% | $7,447-70.6% | $6,400-65.8% |
| Admin fee / account holder | $2,374 | $11,568-79.5% | $10,007-76.3% | $11,425-79.2% |