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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 | $10,274 | $49,280-79.2% | $67,313-84.7% | $64,173-84.0% |
| Participation rate | 20.0% | 60.8%-40.8pp | 69.1%-49.1pp | 69.6%-49.6pp |
| Annual return | -10.61% | -1.39%-9.2pp | -4.08%-6.5pp | 7.63%-18.2pp |
| Employer contribution / active EE | $0 | $1,668-100.0% | $2,566-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $589 | $2,484-76.3% | $3,568-83.5% | $3,470-83.0% |
| Admin fee / account holder | $3,367 | $3,863-12.8% | $4,507-25.3% | $4,887-31.1% |