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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 | $5,308 | $55,437-90.4% | $155,534-96.6% | $74,459-92.9% |
| Participation rate | 31.2% | 61.9%-30.7pp | 78.2%-47.0pp | 67.2%-36.0pp |
| Annual return | -8.78% | 269.58%-278.4pp | 64.92%-73.7pp | 1369.70%-1378.5pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $609 | $2,837-78.5% | $5,630-89.2% | $4,350-86.0% |
| Admin fee / account holder | $882 | $1,742-49.4% | $15,900-94.5% | $1,945-54.6% |