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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 | $4,681 | $51,222-90.9% | $70,544-93.4% | $75,173-93.8% |
| Participation rate | 30.4% | 61.0%-30.5pp | 68.4%-37.9pp | 67.2%-36.8pp |
| Annual return | -26.02% | 30.06%-56.1pp | 32.79%-58.8pp | 160.72%-186.7pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $2,976-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $691 | $2,850-75.7% | $4,568-84.9% | $4,126-83.2% |
| Admin fee / account holder | $1,465 | $4,096-64.2% | $6,427-77.2% | $5,651-74.1% |