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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 | $1,086 | $52,450-97.9% | $129,384-99.2% | $74,459-98.5% |
| Participation rate | 47.9% | 53.8%-6.0pp | 69.6%-21.8pp | 67.2%-19.4pp |
| Annual return | 9.73% | 15.65%-5.9pp | 9461.77%-9452.0pp | 1369.70%-1360.0pp |
| Employer contribution / active EE | $0 | $1,532-100.0% | $4,153-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $346 | $2,797-87.6% | $4,166-91.7% | $4,350-92.1% |
| Admin fee / account holder | $306 | $2,636-88.4% | $7,686-96.0% | $1,945-84.2% |