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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 | $972 | $45,343-97.9% | $150,298-99.4% | $67,986-98.6% |
| Participation rate | 22.2% | 51.9%-29.6pp | 77.8%-55.5pp | 57.2%-35.0pp |
| Annual return | -7.99% | 33.28%-41.3pp | 62.79%-70.8pp | 31.67%-39.7pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $119 | $2,055-94.2% | $5,453-97.8% | $3,358-96.5% |
| Admin fee / account holder | $361 | $2,250-84.0% | $14,116-97.4% | $3,203-88.7% |