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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 | $11,096 | $106,230-89.6% | $147,080-92.5% | $77,736-85.7% |
| Participation rate | 7.3% | 78.4%-71.1pp | 82.2%-74.9pp | 70.6%-63.3pp |
| Annual return | 1.31% | 56.91%-55.6pp | 420.17%-418.9pp | 31.26%-29.9pp |
| Employer contribution / active EE | $0 | $4,072-100.0% | $4,933-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $587 | $8,001-92.7% | $8,066-92.7% | $4,651-87.4% |
| Admin fee / account holder | $3,040 | $338+798.5% | $12,989-76.6% | $433+601.6% |