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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 | $6,218 | $54,370-88.6% | $82,763-92.5% | $68,490-90.9% |
| Participation rate | 40.8% | 63.9%-23.1pp | 72.6%-31.8pp | 67.9%-27.1pp |
| Annual return | -29.09% | -13.67%-15.4pp | 702.45%-731.5pp | -7.85%-21.2pp |
| Employer contribution / active EE | $640 | $2,219-71.2% | $3,008-78.7% | $2,597-75.3% |
| Participant deferral / active EE | $870 | $3,247-73.2% | $4,395-80.2% | $4,028-78.4% |
| Admin fee / account holder | $652 | $4,398-85.2% | $5,325-87.8% | $5,403-87.9% |