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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 | $2,922 | $49,164-94.1% | $121,169-97.6% | $75,181-96.1% |
| Participation rate | 26.9% | 55.4%-28.5pp | 69.5%-42.6pp | 67.2%-40.3pp |
| Annual return | 11.67% | 56.03%-44.4pp | 986.71%-975.0pp | 160.69%-149.0pp |
| Employer contribution / active EE | $0 | $1,546-100.0% | $4,168-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $767 | $2,628-70.8% | $4,083-81.2% | $4,126-81.4% |
| Admin fee / account holder | $2,224 | $3,942-43.6% | $5,645-60.6% | $5,650-60.6% |