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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 | $23,106 | $110,137-79.0% | $161,149-85.7% | $82,637-72.0% |
| Participation rate | 2.9% | 72.4%-69.4pp | 78.8%-75.9pp | 68.1%-65.1pp |
| Annual return | -41.79% | 20.69%-62.5pp | 21.16%-62.9pp | 53.51%-95.3pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $713 | $4,575-84.4% | $6,153-88.4% | $4,126-82.7% |
| Admin fee / account holder | $14,903 | $9,467+57.4% | $15,194-1.9% | $7,339+103.1% |