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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 | $3,966 | $64,729-93.9% | $112,263-96.5% | $68,490-94.2% |
| Participation rate | 7.6% | 67.2%-59.6pp | 75.1%-67.5pp | 67.9%-60.3pp |
| Annual return | -47.65% | -11.40%-36.3pp | 27.49%-75.1pp | -7.85%-39.8pp |
| Employer contribution / active EE | $0 | $2,746-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $238 | $3,566-93.3% | $4,729-95.0% | $4,028-94.1% |
| Admin fee / account holder | $384 | $5,222-92.6% | $6,410-94.0% | $5,403-92.9% |