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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 | $9,251 | $68,681-86.5% | $86,615-89.3% | $85,847-89.2% |
| Participation rate | 12.1% | 66.4%-54.2pp | 71.6%-59.5pp | 69.3%-57.2pp |
| Annual return | -8.21% | 20.12%-28.3pp | 63.51%-71.7pp | 318.61%-326.8pp |
| Employer contribution / active EE | $0 | $1,880-100.0% | $2,496-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $830 | $2,919-71.6% | $3,699-77.6% | $3,952-79.0% |
| Admin fee / account holder | $910 | $5,974-84.8% | $5,830-84.4% | $6,261-85.5% |