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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 | $1,490 | $36,948-96.0% | $73,658-98.0% | $87,485-98.3% |
| Participation rate | 22.2% | 46.8%-24.6pp | 57.0%-34.8pp | 68.9%-46.7pp |
| Annual return | -1.39% | 28.64%-30.0pp | 29.72%-31.1pp | 26.06%-27.4pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $176 | $1,379-87.2% | $2,062-91.5% | $4,274-95.9% |
| Admin fee / account holder | $321 | $2,531-87.3% | $3,357-90.4% | $7,775-95.9% |