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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 | $7,459 | $81,258-90.8% | $105,218-92.9% | $59,632-87.5% |
| Participation rate | 19.3% | 75.4%-56.1pp | 77.2%-57.9pp | 68.7%-49.4pp |
| Annual return | -4.45% | 1.96%-6.4pp | 5.33%-9.8pp | 2041.32%-2045.8pp |
| Employer contribution / active EE | $0 | $2,562-100.0% | $3,255-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,312 | $3,881-66.2% | $4,867-73.0% | $3,192-58.9% |
| Admin fee / account holder | $1,383 | $5,841-76.3% | $6,992-80.2% | $4,297-67.8% |