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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 | $2,563 | $51,222-95.0% | $70,544-96.4% | $75,173-96.6% |
| Participation rate | 13.8% | 61.0%-47.2pp | 68.4%-54.6pp | 67.2%-53.4pp |
| Annual return | -49.09% | 30.06%-79.1pp | 32.79%-81.9pp | 160.72%-209.8pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $2,976-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $247 | $2,850-91.3% | $4,568-94.6% | $4,126-94.0% |
| Admin fee / account holder | $1,072 | $4,096-73.8% | $6,427-83.3% | $5,651-81.0% |