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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 | $4,502 | $70,684-93.6% | $169,390-97.3% | $75,173-94.0% |
| Participation rate | 17.8% | 64.8%-47.0pp | 77.2%-59.4pp | 67.2%-49.4pp |
| Annual return | -16.62% | 36.38%-53.0pp | 406.07%-422.7pp | 160.72%-177.3pp |
| Employer contribution / active EE | $0 | $2,211-100.0% | $4,013-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $693 | $4,310-83.9% | $6,222-88.9% | $4,126-83.2% |
| Admin fee / account holder | $1,720 | $5,404-68.2% | $9,015-80.9% | $5,651-69.6% |