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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 | $4,196 | $93,617-95.5% | $135,982-96.9% | $75,177-94.4% |
| Participation rate | 43.4% | 75.2%-31.8pp | 81.9%-38.5pp | 67.2%-23.8pp |
| Annual return | -21.96% | 30.89%-52.8pp | 68.32%-90.3pp | 160.75%-182.7pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,307 | $6,406-79.6% | $7,760-83.2% | $4,126-68.3% |
| Admin fee / account holder | $825 | $6,980-88.2% | $10,767-92.3% | $5,651-85.4% |