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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 | $11,955 | $71,215-83.2% | $93,696-87.2% | $80,935-85.2% |
| Participation rate | 14.6% | 60.4%-45.8pp | 68.7%-54.1pp | 67.7%-53.0pp |
| Annual return | -32.98% | 11.27%-44.3pp | 133.74%-166.7pp | 35.66%-68.6pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,153 | $4,037-71.4% | $4,417-73.9% | $4,299-73.2% |
| Admin fee / account holder | $4,280 | $6,958-38.5% | $8,287-48.4% | $6,924-38.2% |