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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 | $3,427 | $82,674-95.9% | $125,363-97.3% | $68,495-95.0% |
| Participation rate | 21.9% | 75.0%-53.2pp | 82.4%-60.5pp | 67.9%-46.0pp |
| Annual return | -30.50% | -5.97%-24.5pp | 572.15%-602.6pp | -7.84%-22.7pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $608 | $6,111-90.1% | $7,447-91.8% | $4,028-84.9% |
| Admin fee / account holder | $496 | $6,276-92.1% | $10,005-95.0% | $5,403-90.8% |