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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 | $11,831 | $62,583-81.1% | $76,767-84.6% | $64,173-81.6% |
| Participation rate | 11.1% | 72.8%-61.7pp | 77.0%-65.9pp | 69.6%-58.5pp |
| Annual return | -14.55% | -1.95%-12.6pp | 2.43%-17.0pp | 7.63%-22.2pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $819 | $3,145-73.9% | $3,852-78.7% | $3,470-76.4% |
| Admin fee / account holder | $878 | $4,667-81.2% | $6,675-86.8% | $4,887-82.0% |