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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 | $5,353 | $59,813-91.1% | $79,580-93.3% | $68,486-92.2% |
| Participation rate | 17.1% | 61.1%-44.0pp | 69.5%-52.4pp | 67.9%-50.8pp |
| Annual return | -32.64% | -12.30%-20.3pp | 0.15%-32.8pp | -7.85%-24.8pp |
| Employer contribution / active EE | $606 | $1,505-59.7% | $2,413-74.9% | $2,597-76.7% |
| Participant deferral / active EE | $996 | $3,024-67.1% | $3,985-75.0% | $4,028-75.3% |
| Admin fee / account holder | $4,238 | $4,835-12.3% | $6,835-38.0% | $5,404-21.6% |