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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 | $6,203 | $53,128-88.3% | $86,582-92.8% | $70,126-91.2% |
| Participation rate | 28.1% | 65.3%-37.2pp | 73.5%-45.5pp | 69.5%-41.5pp |
| Annual return | -0.83% | 27.66%-28.5pp | 965.08%-965.9pp | 73.15%-74.0pp |
| Employer contribution / active EE | $399 | $2,068-80.7% | $2,839-86.0% | $2,343-83.0% |
| Participant deferral / active EE | $621 | $2,695-76.9% | $3,609-82.8% | $3,332-81.3% |
| Admin fee / account holder | $1,613 | $3,584-55.0% | $4,904-67.1% | $4,645-65.3% |