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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 | $4,532 | $65,960-93.1% | $81,882-94.5% | $77,762-94.2% |
| Participation rate | 3.8% | 65.8%-62.0pp | 72.4%-68.6pp | 70.6%-66.8pp |
| Annual return | 6.71% | 26.64%-19.9pp | 779.47%-772.8pp | 31.27%-24.6pp |
| Employer contribution / active EE | $0 | $2,375-100.0% | $2,916-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $81 | $3,505-97.7% | $4,323-98.1% | $4,651-98.3% |
| Admin fee / account holder | $1,009 | $526+91.6% | $7,360-86.3% | $433+133.0% |