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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 | $10,345 | $63,346-83.7% | $92,240-88.8% | $70,126-85.2% |
| Participation rate | 64.4% | 68.7%-4.2pp | 76.5%-12.0pp | 69.5%-5.1pp |
| Annual return | 3.43% | 530.19%-526.8pp | 176.29%-172.9pp | 73.15%-69.7pp |
| Employer contribution / active EE | $1,092 | $2,471-55.8% | $3,680-70.3% | $2,343-53.4% |
| Participant deferral / active EE | $0 | $2,854-100.0% | $3,897-100.0% | $3,332-100.0% |
| Admin fee / account holder | $2,650 | $3,841-31.0% | $5,194-49.0% | $4,645-43.0% |