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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 | $15,606 | $65,704-76.2% | $94,229-83.4% | $59,633-73.8% |
| Participation rate | 21.2% | 72.1%-50.9pp | 78.8%-57.6pp | 68.7%-47.5pp |
| Annual return | -9.54% | 5.22%-14.8pp | 10.68%-20.2pp | 2041.45%-2051.0pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $745 | $3,143-76.3% | $4,320-82.8% | $3,192-76.7% |
| Admin fee / account holder | $1,256 | $4,265-70.6% | $6,269-80.0% | $4,297-70.8% |