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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 | $4,448 | $48,053-90.7% | $84,637-94.7% | $72,976-93.9% |
| Participation rate | 17.4% | 57.6%-40.2pp | 68.2%-50.8pp | 69.5%-52.1pp |
| Annual return | -4.17% | 37.39%-41.6pp | 258.82%-263.0pp | 81.02%-85.2pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $368 | $2,681-86.3% | $3,900-90.6% | $3,608-89.8% |
| Admin fee / account holder | $779 | $3,395-77.1% | $4,914-84.2% | $5,124-84.8% |