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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 | $12,575 | $56,484-77.7% | $169,452-92.6% | $64,173-80.4% |
| Participation rate | 12.0% | 64.5%-52.5pp | 77.8%-65.8pp | 69.6%-57.6pp |
| Annual return | -33.00% | -1.55%-31.4pp | 1.83%-34.8pp | 7.63%-40.6pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $4,157-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,064 | $3,448-69.2% | $5,277-79.8% | $3,470-69.3% |
| Admin fee / account holder | $729 | $4,174-82.5% | $9,110-92.0% | $4,887-85.1% |