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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 | $6,123 | $60,139-89.8% | $90,461-93.2% | $79,856-92.3% |
| Participation rate | 44.2% | 65.0%-20.8pp | 72.7%-28.5pp | 69.6%-25.5pp |
| Annual return | 1.97% | 71.96%-70.0pp | 1294.76%-1292.8pp | 31.71%-29.7pp |
| Employer contribution / active EE | $318 | $2,069-84.6% | $3,264-90.3% | $2,471-87.1% |
| Participant deferral / active EE | $464 | $2,939-84.2% | $3,964-88.3% | $3,741-87.6% |
| Admin fee / account holder | $626 | $3,978-84.3% | $5,617-88.8% | $5,306-88.2% |