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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 | $15,395 | $81,870-81.2% | $119,634-87.1% | $68,490-77.5% |
| Participation rate | 27.0% | 71.9%-44.9pp | 79.3%-52.3pp | 67.9%-40.9pp |
| Annual return | -22.02% | -23.82%+1.8pp | -14.98%-7.0pp | -7.85%-14.2pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,440 | $4,148-65.3% | $5,601-74.3% | $4,028-64.2% |
| Admin fee / account holder | $921 | $6,583-86.0% | $10,329-91.1% | $5,403-82.9% |