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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 | $5,856 | $73,863-92.1% | $143,797-95.9% | $68,490-91.4% |
| Participation rate | 18.0% | 66.7%-48.6pp | 80.3%-62.3pp | 67.9%-49.9pp |
| Annual return | -21.77% | 0.91%-22.7pp | -0.04%-21.7pp | -7.85%-13.9pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $712 | $3,385-79.0% | $5,638-87.4% | $4,028-82.3% |
| Admin fee / account holder | $855 | $5,756-85.1% | $14,679-94.2% | $5,403-84.2% |