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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 | $9,867 | $84,493-88.3% | $125,381-92.1% | $66,938-85.3% |
| Participation rate | 47.7% | 76.4%-28.7pp | 82.4%-34.7pp | 69.8%-22.1pp |
| Annual return | -19.90% | -8.49%-11.4pp | 572.31%-592.2pp | 1.58%-21.5pp |
| Employer contribution / active EE | $1,055 | $3,554-70.3% | $4,815-78.1% | $2,545-58.5% |
| Participant deferral / active EE | $2,128 | $6,783-68.6% | $7,448-71.4% | $4,238-49.8% |
| Admin fee / account holder | $391 | $685-42.9% | $10,007-96.1% | $594-34.1% |