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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 | $5,876 | $63,471-90.7% | $68,808-91.5% | $66,938-91.2% |
| Participation rate | 39.0% | 60.0%-20.9pp | 69.0%-30.0pp | 69.8%-30.8pp |
| Annual return | -31.45% | -8.29%-23.2pp | -6.37%-25.1pp | 1.58%-33.0pp |
| Employer contribution / active EE | $746 | $1,776-58.0% | $2,656-71.9% | $2,545-70.7% |
| Participant deferral / active EE | $1,002 | $2,946-66.0% | $3,942-74.6% | $4,238-76.4% |
| Admin fee / account holder | $373 | $578-35.5% | $4,936-92.4% | $594-37.2% |