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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $19,696 | $150,447-86.9% | $136,298-85.5% | $147,586-86.7% |
| Participation rate | 45.5% | 84.4%-39.0pp | 81.9%-36.5pp | 82.8%-37.4pp |
| Annual return | 9.44% | 1049.15%-1039.7pp | 5156.27%-5146.8pp | 578.59%-569.2pp |
| Employer contribution / active EE | $292 | $5,256-94.5% | $4,696-93.8% | $4,876-94.0% |
| Participant deferral / active EE | $3,112 | $6,631-53.1% | $6,247-50.2% | $5,439-42.8% |
| Admin fee / account holder | $3,646 | $10,906-66.6% | $9,244-60.6% | $10,886-66.5% |