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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 | $7,329 | $56,197-87.0% | $67,652-89.2% | $59,633-87.7% |
| Participation rate | 27.3% | 71.5%-44.2pp | 75.7%-48.4pp | 68.7%-41.4pp |
| Annual return | -10.58% | 18508.10%-18518.7pp | 6625.40%-6636.0pp | 2041.45%-2052.0pp |
| Employer contribution / active EE | $451 | $1,615-72.1% | $2,266-80.1% | $2,203-79.5% |
| Participant deferral / active EE | $693 | $2,844-75.6% | $3,560-80.5% | $3,192-78.3% |
| Admin fee / account holder | $945 | $3,958-76.1% | $4,821-80.4% | $4,297-78.0% |