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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 | $11,734 | $78,668-85.1% | $109,152-89.2% | $85,854-86.3% |
| Participation rate | 12.7% | 68.3%-55.5pp | 75.9%-63.1pp | 69.3%-56.6pp |
| Annual return | -56.56% | 25.09%-81.6pp | 25.75%-82.3pp | 318.56%-375.1pp |
| Employer contribution / active EE | $0 | $2,733-100.0% | $3,722-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $933 | $3,467-73.1% | $4,653-79.9% | $3,952-76.4% |
| Admin fee / account holder | $6,524 | $5,469+19.3% | $6,753-3.4% | $6,260+4.2% |