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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 | $4,663 | $102,696-95.5% | $86,235-94.6% | $139,487-96.7% |
| Participation rate | 22.7% | 74.5%-51.8pp | 69.0%-46.2pp | 80.3%-57.6pp |
| Annual return | -41.99% | 1925.91%-1967.9pp | 1170.03%-1212.0pp | 373.84%-415.8pp |
| Employer contribution / active EE | $0 | $3,034-100.0% | $2,381-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $693 | $4,679-85.2% | $3,987-82.6% | $6,713-89.7% |
| Admin fee / account holder | $1,801 | $8,667-79.2% | $6,856-73.7% | $11,407-84.2% |