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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 | $9,041 | $76,912-88.2% | $129,118-93.0% | $68,486-86.8% |
| Participation rate | 27.6% | 69.1%-41.6pp | 77.2%-49.7pp | 67.9%-40.3pp |
| Annual return | -23.67% | -9.78%-13.9pp | -10.94%-12.7pp | -7.85%-15.8pp |
| Employer contribution / active EE | $0 | $3,243-100.0% | $5,051-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,068 | $4,732-77.4% | $6,539-83.7% | $4,028-73.5% |
| Admin fee / account holder | $619 | $6,638-90.7% | $14,305-95.7% | $5,404-88.6% |