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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 | $6,758 | $152,651-95.6% | $105,218-93.6% | $125,389-94.6% |
| Participation rate | 40.0% | 81.5%-41.5pp | 77.2%-37.2pp | 83.2%-43.2pp |
| Annual return | -7.13% | 8.24%-15.4pp | 5.33%-12.5pp | 282.24%-289.4pp |
| Employer contribution / active EE | $1,814 | $4,802-62.2% | $3,255-44.3% | $4,866-62.7% |
| Participant deferral / active EE | $1,814 | $6,660-72.8% | $4,867-62.7% | $5,352-66.1% |
| Admin fee / account holder | $414 | $14,248-97.1% | $6,992-94.1% | $9,541-95.7% |