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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 | $5,745 | $36,943-84.4% | $52,425-89.0% | $103,975-94.5% |
| Participation rate | 4.6% | 27.5%-22.9pp | 55.6%-51.0pp | 72.5%-67.9pp |
| Annual return | -11.35% | 17.59%-28.9pp | 302.12%-313.5pp | 19.41%-30.8pp |
| Employer contribution / active EE | $0 | $884-100.0% | $914-100.0% | $3,722-100.0% |
| Participant deferral / active EE | $86 | $1,347-93.6% | $1,790-95.2% | $5,343-98.4% |
| Admin fee / account holder | $2,109 | $508+315.0% | $2,495-15.5% | $332+534.3% |