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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $8,530 | $99,668-91.4% | $86,451-90.1% | $134,545-93.7% |
| Participation rate | 60.0% | 82.1%-22.1pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -63.55% | 6789.61%-6853.2pp | 4398.51%-4462.1pp | 418.37%-481.9pp |
| Employer contribution / active EE | $481 | $4,403-89.1% | $3,770-87.2% | $4,742-89.9% |
| Participant deferral / active EE | $3,833 | $7,249-47.1% | $6,953-44.9% | $6,401-40.1% |
| Admin fee / account holder | $3,089 | $8,377-63.1% | $6,734-54.1% | $11,431-73.0% |