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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 | $5,041 | $83,908-94.0% | $68,509-92.6% | $125,389-96.0% |
| Participation rate | 58.3% | 78.2%-19.8pp | 74.7%-16.4pp | 83.2%-24.9pp |
| Annual return | -10.51% | 14.48%-25.0pp | 8.27%-18.8pp | 282.24%-292.8pp |
| Employer contribution / active EE | $0 | $3,031-100.0% | $2,278-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $664 | $4,125-83.9% | $3,382-80.4% | $5,352-87.6% |
| Admin fee / account holder | $483 | $8,982-94.6% | $5,275-90.8% | $9,541-94.9% |