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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 | $5,965 | $81,870-92.7% | $119,634-95.0% | $68,490-91.3% |
| Participation rate | 40.0% | 71.9%-31.9pp | 79.3%-39.3pp | 67.9%-27.9pp |
| Annual return | -26.90% | -23.82%-3.1pp | -14.98%-11.9pp | -7.85%-19.0pp |
| Employer contribution / active EE | $1,049 | $2,692-61.0% | $4,232-75.2% | $2,597-59.6% |
| Participant deferral / active EE | $1,417 | $4,148-65.8% | $5,601-74.7% | $4,028-64.8% |
| Admin fee / account holder | $635 | $6,583-90.4% | $10,329-93.9% | $5,403-88.3% |