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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 | $6,414 | $75,962-91.6% | $154,108-95.8% | $64,173-90.0% |
| Participation rate | 36.7% | 70.4%-33.7pp | 83.0%-46.4pp | 69.6%-32.9pp |
| Annual return | -9.11% | 30.32%-39.4pp | 735.21%-744.3pp | 7.63%-16.7pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $657 | $3,175-79.3% | $5,081-87.1% | $3,470-81.1% |
| Admin fee / account holder | $4,355 | $5,589-22.1% | $13,411-67.5% | $4,887-10.9% |