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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 | $3,988 | $30,437-86.9% | $56,033-92.9% | $74,459-94.6% |
| Participation rate | 7.0% | 32.9%-25.9pp | 52.5%-45.5pp | 67.2%-60.2pp |
| Annual return | -2.07% | 24.96%-27.0pp | 1711.38%-1713.4pp | 1369.70%-1371.8pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,041-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $219 | $1,176-81.3% | $1,954-88.8% | $4,350-95.0% |
| Admin fee / account holder | $955 | $2,363-59.6% | $2,827-66.2% | $1,945-50.9% |