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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 | $8,142 | $45,126-82.0% | $85,187-90.4% | $74,459-89.1% |
| Participation rate | 6.3% | 49.4%-43.1pp | 67.5%-61.3pp | 67.2%-61.0pp |
| Annual return | -3.84% | 26.30%-30.1pp | 66.67%-70.5pp | 1369.70%-1373.5pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $2,732-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $317 | $2,738-88.4% | $4,525-93.0% | $4,350-92.7% |
| Admin fee / account holder | $1,296 | $2,212-41.4% | $6,162-79.0% | $1,945-33.4% |