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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 | $8,019 | $69,012-88.4% | $160,037-95.0% | $68,490-88.3% |
| Participation rate | 42.3% | 65.4%-23.1pp | 78.0%-35.7pp | 67.9%-25.6pp |
| Annual return | -19.34% | -9.65%-9.7pp | 408.95%-428.3pp | -7.85%-11.5pp |
| Employer contribution / active EE | $527 | $2,212-76.2% | $4,226-87.5% | $2,597-79.7% |
| Participant deferral / active EE | $1,026 | $4,212-75.6% | $6,184-83.4% | $4,028-74.5% |
| Admin fee / account holder | $387 | $4,798-91.9% | $8,716-95.6% | $5,403-92.8% |