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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 | $6,930 | $77,638-91.1% | $156,551-95.6% | $62,881-89.0% |
| Participation rate | 62.1% | 71.2%-9.1pp | 84.0%-21.9pp | 69.3%-7.2pp |
| Annual return | -7.10% | 50.33%-57.4pp | 32.23%-39.3pp | 20.14%-27.2pp |
| Employer contribution / active EE | $1,781 | $3,444-48.3% | $5,501-67.6% | $2,281-21.9% |
| Participant deferral / active EE | $734 | $3,046-75.9% | $4,871-84.9% | $3,203-77.1% |
| Admin fee / account holder | $3,327 | $5,561-40.2% | $13,028-74.5% | $4,296-22.5% |