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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 | $9,565 | $68,398-86.0% | $94,664-89.9% | $75,173-87.3% |
| Participation rate | 31.3% | 76.1%-44.7pp | 80.8%-49.5pp | 67.2%-35.9pp |
| Annual return | -30.86% | 616.72%-647.6pp | 156.84%-187.7pp | 160.72%-191.6pp |
| Employer contribution / active EE | $654 | $2,701-75.8% | $3,673-82.2% | $2,671-75.5% |
| Participant deferral / active EE | $1,930 | $6,537-70.5% | $7,417-74.0% | $4,126-53.2% |
| Admin fee / account holder | $499 | $5,324-90.6% | $7,222-93.1% | $5,651-91.2% |