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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 | $10,982 | $52,911-79.2% | $73,309-85.0% | $59,633-81.6% |
| Participation rate | 51.6% | 68.2%-16.6pp | 74.9%-23.3pp | 68.7%-17.1pp |
| Annual return | -2.92% | 12.20%-15.1pp | 5.67%-8.6pp | 2041.40%-2044.3pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $806 | $4,069-80.2% | $4,991-83.8% | $3,192-74.7% |
| Admin fee / account holder | $2,038 | $3,835-46.8% | $5,635-63.8% | $4,297-52.6% |