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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 | $10,058 | $48,300-79.2% | $40,145,923-100.0% | $62,881-84.0% |
| Participation rate | 12.1% | 62.0%-49.9pp | 68.4%-56.3pp | 69.3%-57.2pp |
| Annual return | -35.82% | 6.95%-42.8pp | 5.24%-41.1pp | 20.14%-56.0pp |
| Employer contribution / active EE | $0 | $1,333-100.0% | $1,844-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $592 | $2,388-75.2% | $2,591-77.2% | $3,203-81.5% |
| Admin fee / account holder | $3,303 | $2,919+13.2% | $2,903+13.8% | $4,296-23.1% |