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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 | $12,899 | $72,177-82.1% | $115,037-88.8% | $59,633-78.4% |
| Participation rate | 9.3% | 72.6%-63.2pp | 81.4%-72.1pp | 68.7%-59.4pp |
| Annual return | -31.03% | 12.02%-43.1pp | 26.14%-57.2pp | 2041.40%-2072.4pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $793 | $4,783-83.4% | $6,026-86.8% | $3,192-75.1% |
| Admin fee / account holder | $5,271 | $4,927+7.0% | $8,175-35.5% | $4,297+22.7% |