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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 | $7,052 | $93,598-92.5% | $135,974-94.8% | $75,173-90.6% |
| Participation rate | 15.2% | 75.2%-60.0pp | 81.9%-66.7pp | 67.2%-52.0pp |
| Annual return | -63.88% | 30.89%-94.8pp | 68.30%-132.2pp | 160.72%-224.6pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $891 | $6,405-86.1% | $7,760-88.5% | $4,126-78.4% |
| Admin fee / account holder | $2,785 | $6,978-60.1% | $10,767-74.1% | $5,651-50.7% |