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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 | $7,064 | $45,438-84.5% | $80,004-91.2% | $59,633-88.2% |
| Participation rate | 17.8% | 63.7%-45.9pp | 73.0%-55.2pp | 68.7%-50.9pp |
| Annual return | -4.36% | 5.10%-9.5pp | 7.63%-12.0pp | 2041.45%-2045.8pp |
| Employer contribution / active EE | $0 | $1,236-100.0% | $2,473-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $231 | $2,231-89.6% | $3,204-92.8% | $3,192-92.8% |
| Admin fee / account holder | $490 | $3,464-85.9% | $5,033-90.3% | $4,297-88.6% |