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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 | $8,823 | $49,177-82.1% | $79,466-88.9% | $64,173-86.3% |
| Participation rate | 8.0% | 65.0%-57.0pp | 73.3%-65.3pp | 69.6%-61.6pp |
| Annual return | -16.63% | -1.16%-15.5pp | 718.28%-734.9pp | 7.63%-24.3pp |
| Employer contribution / active EE | $232 | $2,076-88.8% | $2,800-91.7% | $2,381-90.3% |
| Participant deferral / active EE | $542 | $2,821-80.8% | $3,704-85.4% | $3,470-84.4% |
| Admin fee / account holder | $646 | $3,839-83.2% | $5,104-87.3% | $4,887-86.8% |