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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 | $6,437 | $65,083-90.1% | $143,788-95.5% | $66,930-90.4% |
| Participation rate | 32.2% | 65.2%-33.0pp | 80.3%-48.1pp | 69.8%-37.6pp |
| Annual return | -18.09% | -11.13%-7.0pp | -0.03%-18.1pp | 1.57%-19.7pp |
| Employer contribution / active EE | $490 | $2,361-79.2% | $4,952-90.1% | $2,545-80.7% |
| Participant deferral / active EE | $648 | $2,920-77.8% | $5,638-88.5% | $4,238-84.7% |
| Admin fee / account holder | $434 | $502-13.5% | $14,675-97.0% | $593-26.8% |