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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 | $4,847 | $42,910-88.7% | $60,919-92.0% | $68,490-92.9% |
| Participation rate | 15.6% | 66.8%-51.1pp | 73.1%-57.5pp | 67.9%-52.3pp |
| Annual return | -38.13% | -13.99%-24.1pp | 16.96%-55.1pp | -7.85%-30.3pp |
| Employer contribution / active EE | $0 | $1,978-100.0% | $2,704-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $512 | $2,866-82.1% | $3,814-86.6% | $4,028-87.3% |
| Admin fee / account holder | $493 | $3,104-84.1% | $3,228-84.7% | $5,403-90.9% |