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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 | $10,803 | $101,591-89.4% | $147,096-92.7% | $74,429-85.5% |
| Participation rate | 12.5% | 75.5%-63.0pp | 82.2%-69.7pp | 67.2%-54.7pp |
| Annual return | -9.28% | 8746.45%-8755.7pp | 419.75%-429.0pp | 1368.38%-1377.7pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,936-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $713 | $7,302-90.2% | $8,071-91.2% | $4,348-83.6% |
| Admin fee / account holder | $1,505 | $1,750-14.0% | $13,005-88.4% | $1,944-22.6% |