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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 | $7,732 | $40,435-80.9% | $80,627-90.4% | $74,460-89.6% |
| Participation rate | 1.5% | 47.4%-45.9pp | 67.0%-65.5pp | 70.7%-69.3pp |
| Annual return | -29.83% | 165.19%-195.0pp | 936.76%-966.6pp | 34.38%-64.2pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,723-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $84 | $2,673-96.8% | $4,443-98.1% | $4,530-98.1% |
| Admin fee / account holder | $449 | $721-37.8% | $5,381-91.7% | $348+29.0% |