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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 | $11,815 | $72,273-83.7% | $101,275-88.3% | $79,856-85.2% |
| Participation rate | 13.2% | 68.5%-55.3pp | 75.8%-62.7pp | 69.6%-56.5pp |
| Annual return | -43.43% | 22.30%-65.7pp | 46.48%-89.9pp | 31.71%-75.1pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,361 | $3,282-58.5% | $4,371-68.9% | $3,741-63.6% |
| Admin fee / account holder | $4,172 | $4,401-5.2% | $5,948-29.9% | $5,306-21.4% |