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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 | $5,011 | $106,524-95.3% | $152,301-96.7% | $87,485-94.3% |
| Participation rate | 12.0% | 75.8%-63.8pp | 82.4%-70.4pp | 68.9%-56.9pp |
| Annual return | -18.53% | 26.89%-45.4pp | 80.50%-99.0pp | 26.06%-44.6pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $688 | $6,525-89.5% | $8,004-91.4% | $4,274-83.9% |
| Admin fee / account holder | $1,182 | $8,287-85.7% | $14,398-91.8% | $7,775-84.8% |