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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 | $14,691 | $77,816-81.1% | $123,552-88.1% | $64,173-77.1% |
| Participation rate | 20.7% | 74.7%-54.1pp | 82.3%-61.6pp | 69.6%-48.9pp |
| Annual return | -11.49% | 12.49%-24.0pp | 119.20%-130.7pp | 7.63%-19.1pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,918 | $5,240-63.4% | $6,426-70.2% | $3,470-44.7% |
| Admin fee / account holder | $2,692 | $5,519-51.2% | $9,285-71.0% | $4,887-44.9% |