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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 | $11,797 | $55,449-78.7% | $83,830-85.9% | $56,287-79.0% |
| Participation rate | 9.0% | 68.0%-59.0pp | 76.1%-67.2pp | 69.9%-60.9pp |
| Annual return | -9.07% | -1.38%-7.7pp | 850.97%-860.0pp | -9.96%+0.9pp |
| Employer contribution / active EE | $0 | $2,430-100.0% | $3,631-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $490 | $2,935-83.3% | $4,082-88.0% | $3,350-85.4% |
| Admin fee / account holder | $4,823 | $656+635.2% | $5,479-12.0% | $521+825.9% |