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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 | $5,196 | $58,587-91.1% | $83,322-93.8% | $64,173-91.9% |
| Participation rate | 38.1% | 72.0%-33.9pp | 77.8%-39.7pp | 69.6%-31.5pp |
| Annual return | -16.71% | 9.65%-26.4pp | 10.64%-27.3pp | 7.63%-24.3pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,765 | $4,654-62.1% | $5,565-68.3% | $3,470-49.1% |
| Admin fee / account holder | $707 | $9,279-92.4% | $7,540-90.6% | $4,887-85.5% |