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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 | $4,124 | $73,019-94.4% | $90,766-95.5% | $68,490-94.0% |
| Participation rate | 10.6% | 70.8%-60.2pp | 75.7%-65.1pp | 67.9%-57.3pp |
| Annual return | -24.23% | -13.81%-10.4pp | -12.16%-12.1pp | -7.85%-16.4pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $2,922-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $358 | $3,626-90.1% | $4,565-92.2% | $4,028-91.1% |
| Admin fee / account holder | $708 | $5,897-88.0% | $8,446-91.6% | $5,403-86.9% |