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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 | $7,282 | $60,454-88.0% | $81,844-91.1% | $74,459-90.2% |
| Participation rate | 10.8% | 63.0%-52.2pp | 72.4%-61.6pp | 67.2%-56.4pp |
| Annual return | -6.61% | 16.87%-23.5pp | 778.87%-785.5pp | 1369.70%-1376.3pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $2,916-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $659 | $3,398-80.6% | $4,323-84.8% | $4,350-84.9% |
| Admin fee / account holder | $1,175 | $1,490-21.1% | $7,355-84.0% | $1,945-39.6% |