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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 | $3,267 | $211,288-98.5% | $178,540-98.2% | $145,884-97.8% |
| Participation rate | 58.8% | 80.8%-22.0pp | 77.1%-18.3pp | 80.3%-21.5pp |
| Annual return | -33.51% | 30.27%-63.8pp | 27.15%-60.7pp | 551.85%-585.4pp |
| Employer contribution / active EE | $0 | $4,574-100.0% | $3,953-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,132 | $6,967-83.7% | $6,281-82.0% | $6,690-83.1% |
| Admin fee / account holder | $990 | $12,105-91.8% | $10,424-90.5% | $13,392-92.6% |