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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 | $8,000 | $54,370-85.3% | $82,763-90.3% | $68,490-88.3% |
| Participation rate | 41.7% | 63.9%-22.3pp | 72.6%-30.9pp | 67.9%-26.2pp |
| Annual return | -33.84% | -13.67%-20.2pp | 702.45%-736.3pp | -7.85%-26.0pp |
| Employer contribution / active EE | $289 | $2,219-87.0% | $3,008-90.4% | $2,597-88.9% |
| Participant deferral / active EE | $782 | $3,247-75.9% | $4,395-82.2% | $4,028-80.6% |
| Admin fee / account holder | $2,731 | $4,398-37.9% | $5,325-48.7% | $5,403-49.5% |