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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 | $4,947 | $73,839-93.3% | $143,788-96.6% | $68,495-92.8% |
| Participation rate | 6.8% | 66.7%-59.8pp | 80.3%-73.5pp | 67.9%-61.1pp |
| Annual return | -76.30% | 1.01%-77.3pp | -0.03%-76.3pp | -7.84%-68.5pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $367 | $3,384-89.1% | $5,638-93.5% | $4,028-90.9% |
| Admin fee / account holder | $2,535 | $5,755-56.0% | $14,675-82.7% | $5,403-53.1% |