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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 | $1,133 | $53,165-97.9% | $86,235-98.7% | $74,473-98.5% |
| Participation rate | 5.0% | 64.9%-59.8pp | 69.0%-63.9pp | 70.7%-65.7pp |
| Annual return | -41.23% | 22.64%-63.9pp | 1170.03%-1211.3pp | 34.36%-75.6pp |
| Employer contribution / active EE | $0 | $1,210-100.0% | $2,381-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $96 | $3,234-97.0% | $3,987-97.6% | $4,530-97.9% |
| Admin fee / account holder | $551 | $5510% | $6,856-92.0% | $347+58.8% |