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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 | $18,486 | $54,380-66.0% | $68,509-73.0% | $59,633-69.0% |
| Participation rate | 26.5% | 70.2%-43.7pp | 74.7%-48.2pp | 68.7%-42.1pp |
| Annual return | -4.14% | 2.83%-7.0pp | 8.27%-12.4pp | 2041.45%-2045.6pp |
| Employer contribution / active EE | $0 | $1,539-100.0% | $2,278-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $944 | $2,643-64.3% | $3,382-72.1% | $3,192-70.4% |
| Admin fee / account holder | $1,424 | $3,885-63.3% | $5,275-73.0% | $4,297-66.9% |