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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 | $2,542 | $110,278-97.7% | $95,740-97.3% | $139,466-98.2% |
| Participation rate | 22.2% | 75.7%-53.5pp | 72.3%-50.0pp | 80.3%-58.1pp |
| Annual return | -13.00% | 27.19%-40.2pp | 28.41%-41.4pp | 373.66%-386.7pp |
| Employer contribution / active EE | $0 | $3,260-100.0% | $2,836-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $207 | $4,674-95.6% | $4,244-95.1% | $6,712-96.9% |
| Admin fee / account holder | $656 | $6,613-90.1% | $5,676-88.4% | $11,409-94.3% |