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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 | $7,578 | $64,176-88.2% | $112,263-93.2% | $66,949-88.7% |
| Participation rate | 23.4% | 68.4%-45.0pp | 75.1%-51.6pp | 69.8%-46.4pp |
| Annual return | -18.63% | -13.80%-4.8pp | 27.49%-46.1pp | 1.57%-20.2pp |
| Employer contribution / active EE | $0 | $3,007-100.0% | $3,636-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $749 | $3,694-79.7% | $4,729-84.2% | $4,239-82.3% |
| Admin fee / account holder | $338 | $626-46.0% | $6,410-94.7% | $594-43.1% |