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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 | $3,599 | $69,012-94.8% | $160,009-97.8% | $68,486-94.7% |
| Participation rate | 9.8% | 65.4%-55.6pp | 78.0%-68.2pp | 67.9%-58.1pp |
| Annual return | -28.83% | -9.65%-19.2pp | 408.85%-437.7pp | -7.85%-21.0pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,225-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $378 | $4,212-91.0% | $6,183-93.9% | $4,028-90.6% |
| Admin fee / account holder | $462 | $4,798-90.4% | $8,715-94.7% | $5,404-91.5% |