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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 | $10,189 | $85,766-88.1% | $136,298-92.5% | $70,126-85.5% |
| Participation rate | 17.5% | 74.2%-56.7pp | 81.9%-64.5pp | 69.5%-52.1pp |
| Annual return | -29.39% | 31.46%-60.8pp | 5156.27%-5185.7pp | 73.15%-102.5pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,583 | $5,051-68.7% | $6,247-74.7% | $3,332-52.5% |
| Admin fee / account holder | $2,596 | $5,421-52.1% | $9,244-71.9% | $4,645-44.1% |