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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 | $5,915 | $94,529-93.7% | $140,019-95.8% | $64,173-90.8% |
| Participation rate | 26.3% | 84.1%-57.8pp | 87.5%-61.2pp | 69.6%-43.3pp |
| Annual return | -16.60% | 7.77%-24.4pp | 651.17%-667.8pp | 7.63%-24.2pp |
| Employer contribution / active EE | $0 | $3,812-100.0% | $5,605-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,613 | $5,250-69.3% | $6,927-76.7% | $3,470-53.5% |
| Admin fee / account holder | $678 | $6,741-89.9% | $10,705-93.7% | $4,887-86.1% |