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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 | $6,066 | $56,484-89.3% | $169,452-96.4% | $64,173-90.5% |
| Participation rate | 27.7% | 64.5%-36.9pp | 77.8%-50.1pp | 69.6%-41.9pp |
| Annual return | -8.57% | -1.55%-7.0pp | 1.83%-10.4pp | 7.63%-16.2pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $4,157-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $702 | $3,448-79.6% | $5,277-86.7% | $3,470-79.8% |
| Admin fee / account holder | $569 | $4,174-86.4% | $9,110-93.8% | $4,887-88.4% |