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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 | $1,712 | $43,483-96.1% | $54,726-96.9% | $64,173-97.3% |
| Participation rate | 55.0% | 72.2%-17.2pp | 79.1%-24.1pp | 69.6%-14.6pp |
| Annual return | -46.15% | -1.03%-45.1pp | -4.56%-41.6pp | 7.63%-53.8pp |
| Employer contribution / active EE | $639 | $2,632-75.7% | $3,449-81.5% | $2,381-73.2% |
| Participant deferral / active EE | $732 | $3,102-76.4% | $3,953-81.5% | $3,470-78.9% |
| Admin fee / account holder | $517 | $4,250-87.8% | $3,818-86.5% | $4,887-89.4% |