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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 | $5,342 | $148,623-96.4% | $135,974-96.1% | $139,466-96.2% |
| Participation rate | 26.7% | 83.9%-57.2pp | 81.9%-55.3pp | 80.3%-53.7pp |
| Annual return | -46.20% | 79.30%-125.5pp | 68.30%-114.5pp | 373.66%-419.9pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,859-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $970 | $8,103-88.0% | $7,760-87.5% | $6,712-85.6% |
| Admin fee / account holder | $3,711 | $12,406-70.1% | $10,767-65.5% | $11,409-67.5% |