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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 | $13,328 | $676,477-98.0% | $133,975-90.1% | - |
| Participation rate | 30.3% | 86.1%-55.8pp | 87.1%-56.8pp | - |
| Annual return | -8.42% | 1.79%-10.2pp | 29.29%-37.7pp | - |
| Employer contribution / active EE | $0 | $3,505-100.0% | $5,211-100.0% | - |
| Participant deferral / active EE | $2,849 | $5,893-51.7% | $6,282-54.6% | - |
| Admin fee / account holder | $1,076 | $42,217-97.5% | $9,324-88.5% | - |