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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 | $6,401 | $57,590-88.9% | $86,233-92.6% | $82,448-92.2% |
| Participation rate | 16.1% | 57.9%-41.7pp | 69.0%-52.9pp | 68.1%-51.9pp |
| Annual return | -5.44% | 22.41%-27.9pp | 61.39%-66.8pp | 41.64%-47.1pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $251 | $3,080-91.9% | $4,559-94.5% | $4,139-93.9% |
| Admin fee / account holder | $1,295 | $4,730-72.6% | $8,342-84.5% | $7,234-82.1% |