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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 | $6,748 | $68,996-90.2% | $159,991-95.8% | $68,495-90.1% |
| Participation rate | 30.6% | 65.4%-34.8pp | 78.0%-47.4pp | 67.9%-37.3pp |
| Annual return | -71.47% | -9.65%-61.8pp | 408.82%-480.3pp | -7.84%-63.6pp |
| Employer contribution / active EE | $903 | $2,212-59.2% | $4,225-78.6% | $2,596-65.2% |
| Participant deferral / active EE | $1,256 | $4,211-70.2% | $6,183-79.7% | $4,028-68.8% |
| Admin fee / account holder | $527 | $4,797-89.0% | $8,715-94.0% | $5,403-90.3% |