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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 | $6,090 | $77,817-92.2% | $123,553-95.1% | $64,173-90.5% |
| Participation rate | 35.5% | 74.7%-39.2pp | 82.3%-46.8pp | 69.6%-34.1pp |
| Annual return | -11.47% | 12.49%-24.0pp | 119.21%-130.7pp | 7.63%-19.1pp |
| Employer contribution / active EE | $556 | $3,014-81.6% | $4,628-88.0% | $2,381-76.7% |
| Participant deferral / active EE | $732 | $5,240-86.0% | $6,426-88.6% | $3,470-78.9% |
| Admin fee / account holder | $894 | $5,519-83.8% | $9,284-90.4% | $4,887-81.7% |