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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 | $6,549 | $50,947-87.1% | $74,551-91.2% | $64,173-89.8% |
| Participation rate | 13.5% | 61.1%-47.5pp | 69.1%-55.6pp | 69.6%-56.1pp |
| Annual return | -13.24% | -1.85%-11.4pp | 32.53%-45.8pp | 7.63%-20.9pp |
| Employer contribution / active EE | $364 | $1,115-67.4% | $1,961-81.4% | $2,381-84.7% |
| Participant deferral / active EE | $440 | $2,302-80.9% | $3,108-85.9% | $3,470-87.3% |
| Admin fee / account holder | $1,116 | $4,221-73.6% | $5,059-77.9% | $4,887-77.2% |