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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 | $16,490 | $69,708-76.3% | $67,560-75.6% | $74,478-77.9% |
| Participation rate | 21.1% | 71.4%-50.3pp | 72.9%-51.8pp | 67.2%-46.1pp |
| Annual return | 11.23% | -40.67%+51.9pp | 3533.50%-3522.3pp | 1370.56%-1359.3pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $2,737-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,190 | $3,637-67.3% | $4,004-70.3% | $4,350-72.6% |
| Admin fee / account holder | $1,660 | $887+87.1% | $3,994-58.4% | $1,946-14.7% |