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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 | $9,246 | $142,392-93.5% | $119,622-92.3% | $134,532-93.1% |
| Participation rate | 54.5% | 82.8%-28.3pp | 79.3%-24.7pp | 81.2%-26.7pp |
| Annual return | -20.74% | -12.46%-8.3pp | -14.98%-5.8pp | 418.27%-439.0pp |
| Employer contribution / active EE | $3,811 | $5,224-27.1% | $4,232-10.0% | $4,741-19.6% |
| Participant deferral / active EE | $1,228 | $6,467-81.0% | $5,601-78.1% | $6,401-80.8% |
| Admin fee / account holder | $672 | $13,593-95.1% | $10,328-93.5% | $11,429-94.1% |