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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 | $3,561 | $51,708-93.1% | $106,619-96.7% | $62,881-94.3% |
| Participation rate | 11.8% | 66.9%-55.1pp | 78.0%-66.2pp | 69.3%-57.5pp |
| Annual return | -25.17% | 4.69%-29.9pp | 9.42%-34.6pp | 20.14%-45.3pp |
| Employer contribution / active EE | $0 | $1,764-100.0% | $3,947-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $346 | $2,315-85.0% | $3,930-91.2% | $3,203-89.2% |
| Admin fee / account holder | $397 | $3,349-88.1% | $6,418-93.8% | $4,296-90.8% |