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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 | $83,369-87.0% | $105,223-89.7% | $67,986-84.1% |
| Participation rate | 1.0% | 56.3%-55.2pp | 75.0%-74.0pp | 57.2%-56.2pp |
| Annual return | -72.22% | 24.64%-96.9pp | 180.65%-252.9pp | 31.67%-103.9pp |
| Employer contribution / active EE | $0 | $2,541-100.0% | $3,689-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $106 | $3,295-96.8% | $5,072-97.9% | $3,358-96.9% |
| Admin fee / account holder | $4,227 | $4,073+3.8% | $8,859-52.3% | $3,203+31.9% |