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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 | $9,092 | $37,463-75.7% | $77,100-88.2% | $66,949-86.4% |
| Participation rate | 8.9% | 52.9%-44.1pp | 67.9%-59.1pp | 69.8%-61.0pp |
| Annual return | -28.96% | -3.25%-25.7pp | 42.35%-71.3pp | 1.57%-30.5pp |
| Employer contribution / active EE | $0 | $1,535-100.0% | $2,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $669 | $2,621-74.5% | $4,430-84.9% | $4,239-84.2% |
| Admin fee / account holder | $980 | $568+72.5% | $5,443-82.0% | $594+65.1% |