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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 | $8,664 | $59,111-85.3% | $86,451-90.0% | $68,490-87.3% |
| Participation rate | 27.0% | 75.2%-48.2pp | 80.3%-53.3pp | 67.9%-40.9pp |
| Annual return | -53.58% | -0.22%-53.4pp | 4398.51%-4452.1pp | -7.85%-45.7pp |
| Employer contribution / active EE | $0 | $2,519-100.0% | $3,770-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,626 | $5,900-72.4% | $6,953-76.6% | $4,028-59.6% |
| Admin fee / account holder | $2,520 | $5,640-55.3% | $6,734-62.6% | $5,403-53.4% |