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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 | $7,956 | $117,895-93.3% | $102,460-92.2% | $145,897-94.5% |
| Participation rate | 68.2% | 78.6%-10.5pp | 76.5%-8.3pp | 80.3%-12.1pp |
| Annual return | -5.32% | 31.92%-37.2pp | 29.47%-34.8pp | 552.29%-557.6pp |
| Employer contribution / active EE | $0 | $3,619-100.0% | $3,025-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $1,125 | $5,736-80.4% | $5,056-77.7% | $6,689-83.2% |
| Admin fee / account holder | $1,303 | $13,353-90.2% | $9,460-86.2% | $13,390-90.3% |