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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 | $6,397 | $45,109-85.8% | $85,187-92.5% | $77,736-91.8% |
| Participation rate | 6.3% | 48.7%-42.4pp | 67.5%-61.2pp | 70.6%-64.3pp |
| Annual return | 8.26% | 79.55%-71.3pp | 66.67%-58.4pp | 31.26%-23.0pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,732-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $189 | $2,814-93.3% | $4,525-95.8% | $4,651-95.9% |
| Admin fee / account holder | $1,570 | $915+71.6% | $6,162-74.5% | $433+262.2% |