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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 | $3,202 | $74,661-95.7% | $160,784-98.0% | $67,986-95.3% |
| Participation rate | 9.5% | 57.1%-47.6pp | 77.0%-67.4pp | 57.2%-47.7pp |
| Annual return | -19.29% | 28.83%-48.1pp | 1803.92%-1823.2pp | 31.67%-51.0pp |
| Employer contribution / active EE | $0 | $1,829-100.0% | $3,733-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $245 | $3,681-93.3% | $6,293-96.1% | $3,358-92.7% |
| Admin fee / account holder | $793 | $3,959-80.0% | $9,717-91.8% | $3,203-75.3% |