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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 | $3,087 | $42,909-92.8% | $152,093-98.0% | $71,012-95.7% |
| Participation rate | 15.0% | 54.7%-39.6pp | 77.8%-62.7pp | 58.6%-43.5pp |
| Annual return | -32.38% | 30.57%-62.9pp | 66.36%-98.7pp | 37.67%-70.0pp |
| Employer contribution / active EE | $0 | $1,369-100.0% | $4,175-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $340 | $1,904-82.1% | $5,451-93.8% | $3,246-89.5% |
| Admin fee / account holder | $714 | $1,014-29.6% | $14,497-95.1% | $1,167-38.8% |