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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 | $7,929 | $69,012-88.5% | $160,037-95.0% | $68,490-88.4% |
| Participation rate | 5.6% | 65.4%-59.8pp | 78.0%-72.4pp | 67.9%-62.3pp |
| Annual return | -30.12% | -9.65%-20.5pp | 408.95%-439.1pp | -7.85%-22.3pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,226-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $214 | $4,212-94.9% | $6,184-96.5% | $4,028-94.7% |
| Admin fee / account holder | $1,248 | $4,798-74.0% | $8,716-85.7% | $5,403-76.9% |