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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 | $12,955 | $77,817-83.4% | $123,553-89.5% | $64,173-79.8% |
| Participation rate | 15.9% | 74.7%-58.8pp | 82.3%-66.4pp | 69.6%-53.7pp |
| Annual return | -25.37% | 12.49%-37.9pp | 119.21%-144.6pp | 7.63%-33.0pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,236 | $5,240-76.4% | $6,426-80.8% | $3,470-64.4% |
| Admin fee / account holder | $1,519 | $5,519-72.5% | $9,284-83.6% | $4,887-68.9% |