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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 | $8,198 | $54,320-84.9% | $67,652-87.9% | $52,331-84.3% |
| Participation rate | 17.9% | 73.6%-55.7pp | 75.7%-57.8pp | 68.1%-50.2pp |
| Annual return | -4.01% | 6.81%-10.8pp | 6625.40%-6629.4pp | 4.54%-8.5pp |
| Employer contribution / active EE | $0 | $1,544-100.0% | $2,266-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $372 | $2,950-87.4% | $3,560-89.6% | $3,022-87.7% |
| Admin fee / account holder | $722 | $527+37.2% | $4,821-85.0% | $592+22.1% |