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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 | $8,084 | $57,350-85.9% | $83,850-90.4% | $64,181-87.4% |
| Participation rate | 11.7% | 68.6%-56.9pp | 76.1%-64.5pp | 69.6%-57.9pp |
| Annual return | -46.00% | 11.38%-57.4pp | 850.92%-896.9pp | 7.63%-53.6pp |
| Employer contribution / active EE | $0 | $2,545-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $606 | $2,993-79.8% | $4,082-85.2% | $3,470-82.5% |
| Admin fee / account holder | $2,369 | $4,046-41.5% | $5,478-56.8% | $4,887-51.5% |