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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 | $6,181 | $47,977-87.1% | $154,111-96.0% | $56,287-89.0% |
| Participation rate | 20.2% | 66.2%-46.0pp | 83.0%-62.9pp | 69.9%-49.7pp |
| Annual return | -8.24% | 3.54%-11.8pp | 735.18%-743.4pp | -9.96%+1.7pp |
| Employer contribution / active EE | $0 | $2,169-100.0% | $5,298-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $503 | $2,392-79.0% | $5,081-90.1% | $3,350-85.0% |
| Admin fee / account holder | $619 | $438+41.1% | $13,411-95.4% | $521+18.7% |