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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 | $1,929 | $93,589-97.9% | $135,942-98.6% | $75,181-97.4% |
| Participation rate | 10.2% | 75.2%-65.0pp | 81.9%-71.7pp | 67.2%-57.0pp |
| Annual return | -2709.94% | 30.90%-2740.8pp | 68.28%-2778.2pp | 160.69%-2870.6pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $880 | $6,405-86.3% | $7,759-88.7% | $4,126-78.7% |
| Admin fee / account holder | $5,097 | $6,977-27.0% | $10,764-52.7% | $5,650-9.8% |