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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 | $971 | $103,000-99.1% | $90,300-98.9% | $152,885-99.4% |
| Participation rate | 38.1% | 75.9%-37.8pp | 73.3%-35.2pp | 82.5%-44.4pp |
| Annual return | -12.34% | 95.19%-107.5pp | 78.11%-90.5pp | 345.39%-357.7pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $2,854-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $418 | $4,281-90.2% | $3,884-89.2% | $5,851-92.9% |
| Admin fee / account holder | $466 | $6,173-92.5% | $5,353-91.3% | $11,598-96.0% |