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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 | $9,721 | $73,532-86.8% | $178,540-94.6% | $74,459-86.9% |
| Participation rate | 15.0% | 66.6%-51.6pp | 77.1%-62.1pp | 67.2%-52.2pp |
| Annual return | -7.52% | 17.51%-25.0pp | 27.15%-34.7pp | 1369.70%-1377.2pp |
| Employer contribution / active EE | $0 | $2,221-100.0% | $3,953-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,026 | $4,519-77.3% | $6,281-83.7% | $4,350-76.4% |
| Admin fee / account holder | $2,701 | $1,813+49.0% | $10,424-74.1% | $1,945+38.9% |