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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 | $4,426 | $43,999-89.9% | $79,467-94.4% | $55,725-92.1% |
| Participation rate | 4.0% | 66.9%-62.9pp | 73.3%-69.3pp | 70.9%-66.8pp |
| Annual return | -13.79% | 1.81%-15.6pp | 718.30%-732.1pp | 244.93%-258.7pp |
| Employer contribution / active EE | $0 | $1,830-100.0% | $2,800-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $110 | $2,538-95.7% | $3,704-97.0% | $3,356-96.7% |
| Admin fee / account holder | $415 | $118+253.2% | $5,104-91.9% | $115+260.5% |