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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 | $11,325 | $91,439-87.6% | $135,974-91.7% | $71,511-84.2% |
| Participation rate | 7.3% | 75.7%-68.4pp | 81.9%-74.6pp | 67.9%-60.7pp |
| Annual return | -4.45% | 29.90%-34.3pp | 68.30%-72.8pp | 28.86%-33.3pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $643 | $7,093-90.9% | $7,760-91.7% | $4,291-85.0% |
| Admin fee / account holder | $3,743 | $1,267+195.5% | $10,767-65.2% | $1,588+135.6% |