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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 | $7,952 | $65,453-87.9% | $86,698-90.8% | $66,938-88.1% |
| Participation rate | 53.3% | 75.5%-22.2pp | 76.6%-23.3pp | 69.8%-16.5pp |
| Annual return | -50.06% | -10.89%-39.2pp | 35.95%-86.0pp | 1.58%-51.6pp |
| Employer contribution / active EE | $2,098 | $2,154-2.6% | $2,837-26.0% | $2,545-17.6% |
| Participant deferral / active EE | $264 | $4,102-93.6% | $4,656-94.3% | $4,238-93.8% |
| Admin fee / account holder | $624 | $642-2.8% | $7,493-91.7% | $594+5.1% |