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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 | $5,564 | $58,577-90.5% | $83,323-93.3% | $64,181-91.3% |
| Participation rate | 48.6% | 72.0%-23.5pp | 77.8%-29.2pp | 69.6%-21.0pp |
| Annual return | -8.44% | 9.65%-18.1pp | 10.63%-19.1pp | 7.63%-16.1pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,311 | $4,654-71.8% | $5,565-76.4% | $3,470-62.2% |
| Admin fee / account holder | $600 | $9,275-93.5% | $7,539-92.0% | $4,887-87.7% |