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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 | $6,753 | $113,941-94.1% | $94,229-92.8% | $125,389-94.6% |
| Participation rate | 30.0% | 82.9%-52.9pp | 78.8%-48.8pp | 83.2%-53.2pp |
| Annual return | -60.29% | 5.29%-65.6pp | 10.68%-71.0pp | 282.24%-342.5pp |
| Employer contribution / active EE | $0 | $4,727-100.0% | $3,587-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $1,477 | $5,179-71.5% | $4,320-65.8% | $5,352-72.4% |
| Admin fee / account holder | $2,659 | $8,392-68.3% | $6,269-57.6% | $9,541-72.1% |