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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 | $7,281 | $79,523-90.8% | $140,019-94.8% | $56,287-87.1% |
| Participation rate | 13.5% | 85.7%-72.2pp | 87.5%-74.0pp | 69.9%-56.4pp |
| Annual return | -8.63% | 2.39%-11.0pp | 651.15%-659.8pp | -9.96%+1.3pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,605-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $399 | $5,129-92.2% | $6,927-94.2% | $3,350-88.1% |
| Admin fee / account holder | $2,239 | $614+264.5% | $10,705-79.1% | $521+329.8% |