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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 | $14,534 | $56,200-74.1% | $67,653-78.5% | $59,633-75.6% |
| Participation rate | 46.9% | 71.5%-24.6pp | 75.7%-28.8pp | 68.7%-21.8pp |
| Annual return | -3.11% | 18506.71%-18509.8pp | 6625.22%-6628.3pp | 2041.40%-2044.5pp |
| Employer contribution / active EE | $381 | $1,615-76.4% | $2,266-83.2% | $2,203-82.7% |
| Participant deferral / active EE | $900 | $2,843-68.3% | $3,560-74.7% | $3,192-71.8% |
| Admin fee / account holder | $452 | $3,959-88.6% | $4,821-90.6% | $4,297-89.5% |