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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 | $13,328 | $75,832-82.4% | $147,617-91.0% | $59,633-77.7% |
| Participation rate | 55.3% | 71.6%-16.2pp | 84.6%-29.3pp | 68.7%-13.4pp |
| Annual return | -2.84% | 0.37%-3.2pp | 61.98%-64.8pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $520 | $3,485-85.1% | $5,564-90.7% | $2,203-76.4% |
| Participant deferral / active EE | $620 | $3,131-80.2% | $4,895-87.3% | $3,192-80.6% |
| Admin fee / account holder | $638 | $5,986-89.3% | $11,612-94.5% | $4,297-85.1% |