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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 | $2,038 | $78,694-97.4% | $67,652-97.0% | $125,389-98.4% |
| Participation rate | 31.3% | 78.8%-47.6pp | 75.7%-44.4pp | 83.2%-51.9pp |
| Annual return | -3.31% | 9.46%-12.8pp | 6625.40%-6628.7pp | 282.24%-285.6pp |
| Employer contribution / active EE | $0 | $3,044-100.0% | $2,266-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $355 | $4,292-91.7% | $3,560-90.0% | $5,352-93.4% |
| Admin fee / account holder | $919 | $7,403-87.6% | $4,821-80.9% | $9,541-90.4% |