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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 | $4,896 | $40,386-87.9% | $80,607-93.9% | $74,440-93.4% |
| Participation rate | 2.0% | 47.4%-45.4pp | 67.0%-65.0pp | 70.7%-68.7pp |
| Annual return | 8.92% | 165.00%-156.1pp | 936.11%-927.2pp | 34.37%-25.4pp |
| Employer contribution / active EE | $0 | $1,496-100.0% | $2,724-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $81 | $2,670-97.0% | $4,448-98.2% | $4,529-98.2% |
| Admin fee / account holder | $794 | $720+10.3% | $5,379-85.2% | $348+128.4% |