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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 | $1,638 | $29,733-94.5% | $56,025-97.1% | $80,959-98.0% |
| Participation rate | 31.6% | 41.7%-10.1pp | 52.5%-20.9pp | 67.7%-36.1pp |
| Annual return | -10.27% | 35.28%-45.6pp | 1712.69%-1723.0pp | 35.67%-45.9pp |
| Employer contribution / active EE | $117 | $672-82.6% | $1,042-88.8% | $2,757-95.8% |
| Participant deferral / active EE | $234 | $1,229-81.0% | $1,955-88.0% | $4,300-94.6% |
| Admin fee / account holder | $641 | $2,434-73.7% | $2,828-77.4% | $6,925-90.8% |