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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 | $12,354 | $46,360-73.4% | $147,618-91.6% | $52,331-76.4% |
| Participation rate | 8.9% | 64.9%-56.0pp | 84.6%-75.7pp | 68.1%-59.2pp |
| Annual return | -4.99% | 1.62%-6.6pp | 61.98%-67.0pp | 4.54%-9.5pp |
| Employer contribution / active EE | $0 | $2,126-100.0% | $5,565-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $454 | $2,258-79.9% | $4,895-90.7% | $3,022-85.0% |
| Admin fee / account holder | $1,068 | $766+39.4% | $11,612-90.8% | $592+80.5% |