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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 | $8,684 | $45,566-80.9% | $64,105-86.5% | $59,633-85.4% |
| Participation rate | 50.5% | 60.2%-9.7pp | 68.2%-17.7pp | 68.7%-18.2pp |
| Annual return | -5.51% | 4.95%-10.5pp | 791.24%-796.7pp | 2041.45%-2047.0pp |
| Employer contribution / active EE | $213 | $934-77.2% | $1,820-88.3% | $2,203-90.3% |
| Participant deferral / active EE | $764 | $2,057-62.8% | $2,822-72.9% | $3,192-76.1% |
| Admin fee / account holder | $1,050 | $3,268-67.9% | $4,499-76.7% | $4,297-75.6% |