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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 | $13,280 | $65,566-79.7% | $86,235-84.6% | $75,177-82.3% |
| Participation rate | 14.3% | 60.5%-46.2pp | 69.0%-54.7pp | 67.2%-52.9pp |
| Annual return | 0.64% | 46.07%-45.4pp | 1170.03%-1169.4pp | 160.75%-160.1pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,381-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $501 | $3,023-83.4% | $3,987-87.4% | $4,126-87.9% |
| Admin fee / account holder | $1,441 | $5,470-73.7% | $6,856-79.0% | $5,651-74.5% |