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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 | $12,249 | $54,717-77.6% | $86,209-85.8% | $71,495-82.9% |
| Participation rate | 3.6% | 60.1%-56.5pp | 69.0%-65.3pp | 67.9%-64.3pp |
| Annual return | -14.72% | 20.07%-34.8pp | 1169.05%-1183.8pp | 28.85%-43.6pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,381-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $279 | $3,110-91.0% | $3,986-93.0% | $4,291-93.5% |
| Admin fee / account holder | $2,300 | $1,922+19.6% | $6,853-66.4% | $1,588+44.8% |