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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 | $4,157 | $102,422-95.9% | $147,117-97.2% | $80,959-94.9% |
| Participation rate | 11.8% | 75.9%-64.1pp | 82.2%-70.4pp | 67.7%-55.9pp |
| Annual return | 3.31% | 135.16%-131.8pp | 420.54%-417.2pp | 35.67%-32.4pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $735 | $6,652-88.9% | $8,065-90.9% | $4,300-82.9% |
| Admin fee / account holder | $1,062 | $7,953-86.7% | $12,993-91.8% | $6,925-84.7% |