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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 | $8,286 | $101,653-91.8% | $147,080-94.4% | $74,459-88.9% |
| Participation rate | 11.0% | 75.6%-64.5pp | 82.2%-71.2pp | 67.2%-56.2pp |
| Annual return | -9.28% | 8754.98%-8764.3pp | 420.17%-429.4pp | 1369.70%-1379.0pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $538 | $7,304-92.6% | $8,066-93.3% | $4,350-87.6% |
| Admin fee / account holder | $1,503 | $1,752-14.2% | $12,989-88.4% | $1,945-22.7% |