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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 | $5,101 | $53,162-90.4% | $91,227-94.4% | $68,490-92.6% |
| Participation rate | 15.4% | 63.2%-47.8pp | 73.2%-57.8pp | 67.9%-52.5pp |
| Annual return | -59.14% | -3.14%-56.0pp | 114.14%-173.3pp | -7.85%-51.3pp |
| Employer contribution / active EE | $0 | $1,709-100.0% | $2,851-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $749 | $2,974-74.8% | $4,234-82.3% | $4,028-81.4% |
| Admin fee / account holder | $447 | $4,493-90.0% | $5,423-91.8% | $5,403-91.7% |