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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 | $10,949 | $100,060-89.1% | $149,721-92.7% | $70,126-84.4% |
| Participation rate | 33.3% | 83.6%-50.2pp | 87.1%-53.7pp | 69.5%-36.2pp |
| Annual return | -11.11% | 27.46%-38.6pp | 1501.67%-1512.8pp | 73.15%-84.3pp |
| Employer contribution / active EE | $0 | $3,661-100.0% | $5,444-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,066 | $4,982-58.5% | $6,568-68.6% | $3,332-38.0% |
| Admin fee / account holder | $2,456 | $8,285-70.4% | $11,282-78.2% | $4,645-47.1% |