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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 | $5,251 | $48,300-89.1% | $40,145,923-100.0% | $62,881-91.6% |
| Participation rate | 11.5% | 62.0%-50.5pp | 68.4%-56.9pp | 69.3%-57.8pp |
| Annual return | -30.81% | 6.95%-37.8pp | 5.24%-36.0pp | 20.14%-51.0pp |
| Employer contribution / active EE | $0 | $1,333-100.0% | $1,844-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $371 | $2,388-84.5% | $2,591-85.7% | $3,203-88.4% |
| Admin fee / account holder | $1,983 | $2,919-32.1% | $2,903-31.7% | $4,296-53.8% |