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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 | $11,092 | $56,054-80.2% | $171,082-93.5% | $62,881-82.4% |
| Participation rate | 12.5% | 62.9%-50.4pp | 76.7%-64.2pp | 69.3%-56.8pp |
| Annual return | -18.00% | 22.52%-40.5pp | 32.56%-50.6pp | 20.14%-38.1pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $511 | $3,158-83.8% | $4,797-89.3% | $3,203-84.0% |
| Admin fee / account holder | $2,117 | $3,647-42.0% | $8,520-75.2% | $4,296-50.7% |