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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 | $3,881 | $64,719-94.0% | $112,249-96.5% | $68,486-94.3% |
| Participation rate | 14.3% | 67.2%-52.9pp | 75.1%-60.8pp | 67.9%-53.6pp |
| Annual return | -21.77% | -11.40%-10.4pp | 27.48%-49.2pp | -7.85%-13.9pp |
| Employer contribution / active EE | $0 | $2,747-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $443 | $3,565-87.6% | $4,729-90.6% | $4,028-89.0% |
| Admin fee / account holder | $657 | $5,232-87.4% | $6,412-89.8% | $5,404-87.8% |