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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 | $20,179 | $56,200-64.1% | $67,653-70.2% | $59,633-66.2% |
| Participation rate | 10.6% | 71.5%-60.8pp | 75.7%-65.0pp | 68.7%-58.0pp |
| Annual return | -7.09% | 18506.71%-18513.8pp | 6625.22%-6632.3pp | 2041.40%-2048.5pp |
| Employer contribution / active EE | $334 | $1,615-79.3% | $2,266-85.2% | $2,203-84.8% |
| Participant deferral / active EE | $620 | $2,843-78.2% | $3,560-82.6% | $3,192-80.6% |
| Admin fee / account holder | $4,216 | $3,959+6.5% | $4,821-12.5% | $4,297-1.9% |