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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 | $9,332 | $48,364-80.7% | $71,796-87.0% | $62,881-85.2% |
| Participation rate | 15.6% | 60.6%-45.1pp | 69.1%-53.6pp | 69.3%-53.7pp |
| Annual return | -21.39% | 13.16%-34.5pp | 78.04%-99.4pp | 20.14%-41.5pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $410 | $2,091-80.4% | $2,794-85.3% | $3,203-87.2% |
| Admin fee / account holder | $2,269 | $3,771-39.8% | $4,815-52.9% | $4,296-47.2% |