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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 | $4,783 | $53,596-91.1% | $90,655-94.7% | $64,181-92.5% |
| Participation rate | 36.0% | 64.5%-28.5pp | 74.0%-38.0pp | 69.6%-33.6pp |
| Annual return | -22.54% | 4.41%-27.0pp | 1.89%-24.4pp | 7.63%-30.2pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,532-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $729 | $2,459-70.4% | $3,425-78.7% | $3,470-79.0% |
| Admin fee / account holder | $416 | $3,868-89.2% | $4,994-91.7% | $4,887-91.5% |