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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 | $1,726 | $73,848-97.7% | $143,799-98.8% | $68,486-97.5% |
| Participation rate | 63.9% | 66.7%-2.8pp | 80.3%-16.4pp | 67.9%-4.0pp |
| Annual return | -48.93% | 0.91%-49.8pp | -0.04%-48.9pp | -7.85%-41.1pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $859 | $3,385-74.6% | $5,638-84.8% | $4,028-78.7% |
| Admin fee / account holder | $673 | $5,755-88.3% | $14,677-95.4% | $5,404-87.6% |