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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 | $9,089 | $39,798-77.2% | $67,704-86.6% | $59,633-84.8% |
| Participation rate | 7.9% | 57.4%-49.5pp | 67.5%-59.6pp | 68.7%-60.8pp |
| Annual return | -4.52% | 89.94%-94.5pp | 25.41%-29.9pp | 2041.45%-2046.0pp |
| Employer contribution / active EE | $319 | $1,393-77.1% | $2,559-87.5% | $2,203-85.5% |
| Participant deferral / active EE | $499 | $2,335-78.6% | $3,585-86.1% | $3,192-84.4% |
| Admin fee / account holder | $663 | $3,212-79.4% | $4,255-84.4% | $4,297-84.6% |