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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 | $13,049 | $106,864-87.8% | $147,318-91.1% | $82,637-84.2% |
| Participation rate | 4.6% | 75.5%-70.9pp | 82.1%-77.5pp | 68.1%-63.5pp |
| Annual return | -35.30% | 27.49%-62.8pp | 70.43%-105.7pp | 53.51%-88.8pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $462 | $6,496-92.9% | $7,906-94.2% | $4,126-88.8% |
| Admin fee / account holder | $10,761 | $8,415+27.9% | $13,708-21.5% | $7,339+46.6% |