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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 | $7,714 | $78,027-90.1% | $178,528-95.7% | $80,925-90.5% |
| Participation rate | 21.4% | 65.7%-44.2pp | 77.1%-55.7pp | 67.7%-46.2pp |
| Annual return | -16.11% | 18.09%-34.2pp | 27.11%-43.2pp | 35.65%-51.8pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,950-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $934 | $4,408-78.8% | $6,278-85.1% | $4,299-78.3% |
| Admin fee / account holder | $1,278 | $7,168-82.2% | $10,419-87.7% | $6,940-81.6% |