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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 | $7,380 | $73,009-89.9% | $90,756-91.9% | $68,495-89.2% |
| Participation rate | 27.3% | 70.8%-43.6pp | 75.7%-48.4pp | 67.9%-40.6pp |
| Annual return | -20.31% | -13.81%-6.5pp | -12.16%-8.1pp | -7.84%-12.5pp |
| Employer contribution / active EE | $547 | $2,193-75.1% | $2,922-81.3% | $2,596-78.9% |
| Participant deferral / active EE | $1,128 | $3,626-68.9% | $4,565-75.3% | $4,028-72.0% |
| Admin fee / account holder | $718 | $5,896-87.8% | $8,445-91.5% | $5,403-86.7% |