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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 | $7,829 | $42,383-81.5% | $76,518-89.8% | $64,173-87.8% |
| Participation rate | 26.1% | 58.1%-32.1pp | 68.0%-41.9pp | 69.6%-43.5pp |
| Annual return | -12.57% | -16.54%+4.0pp | -0.27%-12.3pp | 7.63%-20.2pp |
| Employer contribution / active EE | $507 | $1,563-67.6% | $2,647-80.8% | $2,381-78.7% |
| Participant deferral / active EE | $648 | $2,566-74.7% | $3,836-83.1% | $3,470-81.3% |
| Admin fee / account holder | $1,419 | $3,198-55.6% | $4,849-70.7% | $4,887-71.0% |