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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 | $6,327 | $44,103-85.7% | $75,826-91.7% | $64,173-90.1% |
| Participation rate | 37.9% | 62.7%-24.8pp | 68.2%-30.3pp | 69.6%-31.6pp |
| Annual return | -10.44% | -4.72%-5.7pp | 1914.15%-1924.6pp | 7.63%-18.1pp |
| Employer contribution / active EE | $424 | $1,446-70.7% | $1,913-77.8% | $2,381-82.2% |
| Participant deferral / active EE | $568 | $2,204-74.2% | $2,862-80.1% | $3,470-83.6% |
| Admin fee / account holder | $679 | $3,506-80.6% | $4,726-85.6% | $4,887-86.1% |