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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 | $7,828 | $75,832-89.7% | $147,617-94.7% | $59,633-86.9% |
| Participation rate | 34.7% | 71.6%-36.9pp | 84.6%-49.9pp | 68.7%-34.0pp |
| Annual return | -4.59% | 0.37%-5.0pp | 61.98%-66.6pp | 2041.45%-2046.0pp |
| Employer contribution / active EE | $503 | $3,485-85.6% | $5,564-91.0% | $2,203-77.2% |
| Participant deferral / active EE | $822 | $3,131-73.8% | $4,895-83.2% | $3,192-74.3% |
| Admin fee / account holder | $663 | $5,986-88.9% | $11,612-94.3% | $4,297-84.6% |