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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 | $5,690 | $54,380-89.5% | $68,509-91.7% | $59,633-90.5% |
| Participation rate | 55.3% | 70.2%-14.9pp | 74.7%-19.5pp | 68.7%-13.4pp |
| Annual return | -2.38% | 2.83%-5.2pp | 8.27%-10.7pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $806 | $1,539-47.6% | $2,278-64.6% | $2,203-63.4% |
| Participant deferral / active EE | $1,116 | $2,643-57.8% | $3,382-67.0% | $3,192-65.0% |
| Admin fee / account holder | $331 | $3,885-91.5% | $5,275-93.7% | $4,297-92.3% |