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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 | $1,154 | $78,690-98.5% | $161,489-99.3% | $87,485-98.7% |
| Participation rate | 56.0% | 67.5%-11.5pp | 78.7%-22.7pp | 68.9%-12.9pp |
| Annual return | -3.00% | 32.74%-35.7pp | 89.72%-92.7pp | 26.06%-29.1pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $678 | $3,311-79.5% | $5,630-88.0% | $4,274-84.1% |
| Admin fee / account holder | $777 | $6,724-88.4% | $16,006-95.1% | $7,775-90.0% |