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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 | $482 | $106,230-99.5% | $147,080-99.7% | $77,736-99.4% |
| Participation rate | 15.6% | 78.4%-62.8pp | 82.2%-66.6pp | 70.6%-55.0pp |
| Annual return | -5.88% | 56.91%-62.8pp | 420.17%-426.0pp | 31.26%-37.1pp |
| Employer contribution / active EE | $0 | $4,072-100.0% | $4,933-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $85 | $8,001-98.9% | $8,066-98.9% | $4,651-98.2% |
| Admin fee / account holder | $324 | $338-4.2% | $12,989-97.5% | $433-25.2% |