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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 | $7,276 | $45,872-84.1% | $77,081-90.6% | $68,495-89.4% |
| Participation rate | 18.0% | 55.9%-37.9pp | 67.9%-49.9pp | 67.9%-49.9pp |
| Annual return | -23.09% | 1.73%-24.8pp | 42.33%-65.4pp | -7.84%-15.3pp |
| Employer contribution / active EE | $379 | $1,650-77.0% | $2,813-86.5% | $2,596-85.4% |
| Participant deferral / active EE | $554 | $2,963-81.3% | $4,428-87.5% | $4,028-86.2% |
| Admin fee / account holder | $1,666 | $3,041-45.2% | $5,427-69.3% | $5,403-69.2% |