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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 | $5,457 | $63,442-91.4% | $68,794-92.1% | $66,930-91.8% |
| Participation rate | 20.7% | 60.0%-39.3pp | 69.0%-48.4pp | 69.8%-49.1pp |
| Annual return | -23.86% | -8.29%-15.6pp | -6.37%-17.5pp | 1.57%-25.4pp |
| Employer contribution / active EE | $413 | $1,775-76.7% | $2,656-84.5% | $2,545-83.8% |
| Participant deferral / active EE | $754 | $2,945-74.4% | $3,941-80.9% | $4,238-82.2% |
| Admin fee / account holder | $340 | $577-41.2% | $4,934-93.1% | $593-42.8% |