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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 | $10,213 | $101,795-90.0% | $165,100-93.8% | $80,959-87.4% |
| Participation rate | 14.3% | 71.8%-57.5pp | 78.6%-64.3pp | 67.7%-53.4pp |
| Annual return | -8.49% | 16.73%-25.2pp | 70.21%-78.7pp | 35.67%-44.2pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $757 | $4,476-83.1% | $6,035-87.5% | $4,300-82.4% |
| Admin fee / account holder | $1,620 | $8,221-80.3% | $12,696-87.2% | $6,925-76.6% |