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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 | $3,692 | $209,428-98.2% | $178,498-97.9% | $158,950-97.7% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | -21.63% | 188.78%-210.4pp | 151.09%-172.7pp | 302.91%-324.5pp |
| Employer contribution / active EE | $1,326 | $5,707-76.8% | $5,011-73.5% | $4,762-72.2% |
| Participant deferral / active EE | $1,639 | $5,955-72.5% | $5,202-68.5% | $5,983-72.6% |
| Admin fee / account holder | $1,859 | $17,077-89.1% | $13,985-86.7% | $11,248-83.5% |