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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 | $5,479 | $45,152-87.9% | $73,845-92.6% | $59,632-90.8% |
| Participation rate | 33.9% | 64.0%-30.2pp | 73.4%-39.6pp | 68.7%-34.8pp |
| Annual return | -6.64% | 27.40%-34.0pp | 2267.91%-2274.5pp | 2041.32%-2048.0pp |
| Employer contribution / active EE | $253 | $1,902-86.7% | $2,788-90.9% | $2,203-88.5% |
| Participant deferral / active EE | $374 | $2,574-85.5% | $3,583-89.6% | $3,192-88.3% |
| Admin fee / account holder | $309 | $3,516-91.2% | $4,881-93.7% | $4,297-92.8% |