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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 | $12,336 | $77,816-84.1% | $123,549-90.0% | $64,181-80.8% |
| Participation rate | 15.9% | 74.7%-58.8pp | 82.3%-66.4pp | 69.6%-53.7pp |
| Annual return | -22.63% | 12.49%-35.1pp | 119.20%-141.8pp | 7.63%-30.3pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,065 | $5,240-79.7% | $6,426-83.4% | $3,470-69.3% |
| Admin fee / account holder | $4,393 | $5,519-20.4% | $9,284-52.7% | $4,887-10.1% |