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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 | $4,993 | $37,463-86.7% | $77,100-93.5% | $66,949-92.5% |
| Participation rate | 7.9% | 52.9%-45.0pp | 67.9%-60.0pp | 69.8%-61.9pp |
| Annual return | -20.03% | -3.25%-16.8pp | 42.35%-62.4pp | 1.57%-21.6pp |
| Employer contribution / active EE | $0 | $1,535-100.0% | $2,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $133 | $2,621-94.9% | $4,430-97.0% | $4,239-96.9% |
| Admin fee / account holder | $722 | $568+27.0% | $5,443-86.7% | $594+21.6% |