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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 | $1,459 | $60,442-97.6% | $96,754-98.5% | $87,485-98.3% |
| Participation rate | 61.8% | 58.7%+3.1pp | 70.3%-8.4pp | 68.9%-7.1pp |
| Annual return | -7.35% | 21.97%-29.3pp | 82.04%-89.4pp | 26.06%-33.4pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $759 | $3,280-76.9% | $4,758-84.1% | $4,274-82.2% |
| Admin fee / account holder | $377 | $5,069-92.6% | $8,905-95.8% | $7,775-95.2% |