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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 | $1,423 | $58,311-97.6% | $81,882-98.3% | $80,959-98.2% |
| Participation rate | 41.2% | 63.5%-22.3pp | 72.4%-31.2pp | 67.7%-26.5pp |
| Annual return | -2.99% | 41.85%-44.8pp | 779.47%-782.5pp | 35.67%-38.7pp |
| Employer contribution / active EE | $0 | $2,347-100.0% | $2,916-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $490 | $3,287-85.1% | $4,323-88.7% | $4,300-88.6% |
| Admin fee / account holder | $604 | $4,752-87.3% | $7,360-91.8% | $6,925-91.3% |