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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 | $3,541 | $56,894-93.8% | $84,753-95.8% | $62,881-94.4% |
| Participation rate | 14.3% | 68.5%-54.3pp | 76.6%-62.3pp | 69.3%-55.0pp |
| Annual return | -77.81% | 6.30%-84.1pp | 22.78%-100.6pp | 20.14%-98.0pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $421 | $2,709-84.5% | $3,712-88.7% | $3,203-86.9% |
| Admin fee / account holder | $2,185 | $3,581-39.0% | $5,333-59.0% | $4,296-49.1% |