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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 | $4,755 | $82,674-94.2% | $125,381-96.2% | $68,486-93.1% |
| Participation rate | 38.5% | 75.1%-36.6pp | 82.4%-43.9pp | 67.9%-29.4pp |
| Annual return | -67.37% | -5.97%-61.4pp | 572.31%-639.7pp | -7.85%-59.5pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,448 | $6,111-76.3% | $7,448-80.6% | $4,028-64.1% |
| Admin fee / account holder | $1,448 | $6,277-76.9% | $10,007-85.5% | $5,404-73.2% |