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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 | $4,566 | $26,549-82.8% | $61,452-92.6% | $66,938-93.2% |
| Participation rate | 2.8% | 38.1%-35.3pp | 52.6%-49.8pp | 69.8%-67.0pp |
| Annual return | -22.10% | -16.21%-5.9pp | 338.96%-361.1pp | 1.58%-23.7pp |
| Employer contribution / active EE | $0 | $651-100.0% | $1,160-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $136 | $1,338-89.8% | $2,125-93.6% | $4,238-96.8% |
| Admin fee / account holder | $477 | $409+16.8% | $2,131-77.6% | $594-19.6% |