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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 | $2,424 | $73,863-96.7% | $143,797-98.3% | $68,490-96.5% |
| Participation rate | 16.1% | 66.7%-50.5pp | 80.3%-64.2pp | 67.9%-51.8pp |
| Annual return | -100.53% | 0.91%-101.4pp | -0.04%-100.5pp | -7.85%-92.7pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $392 | $3,385-88.4% | $5,638-93.0% | $4,028-90.3% |
| Admin fee / account holder | $1,619 | $5,756-71.9% | $14,679-89.0% | $5,403-70.0% |