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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 | $5,655 | $71,878-92.1% | $86,698-93.5% | $68,486-91.7% |
| Participation rate | 28.1% | 72.2%-44.1pp | 76.6%-48.5pp | 67.9%-39.8pp |
| Annual return | -28.70% | 3.53%-32.2pp | 35.95%-64.7pp | -7.85%-20.8pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,310 | $3,779-65.3% | $4,656-71.9% | $4,028-67.5% |
| Admin fee / account holder | $1,040 | $6,113-83.0% | $7,493-86.1% | $5,404-80.8% |