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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 | $4,591 | $30,421-84.9% | $56,077-91.8% | $74,429-93.8% |
| Participation rate | 3.4% | 32.9%-29.5pp | 52.5%-49.1pp | 67.2%-63.8pp |
| Annual return | -17.08% | 24.94%-42.0pp | 1709.28%-1726.4pp | 1368.38%-1385.5pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,040-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $145 | $1,175-87.7% | $1,954-92.6% | $4,348-96.7% |
| Admin fee / account holder | $2,227 | $2,363-5.8% | $2,825-21.2% | $1,944+14.5% |