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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 | $4,384 | $50,947-91.4% | $74,549-94.1% | $64,173-93.2% |
| Participation rate | 23.3% | 61.1%-37.7pp | 69.1%-45.8pp | 69.6%-46.2pp |
| Annual return | -40.31% | -1.85%-38.5pp | 32.53%-72.8pp | 7.63%-47.9pp |
| Employer contribution / active EE | $343 | $1,115-69.3% | $1,961-82.5% | $2,381-85.6% |
| Participant deferral / active EE | $853 | $2,302-63.0% | $3,108-72.6% | $3,470-75.4% |
| Admin fee / account holder | $490 | $4,221-88.4% | $5,059-90.3% | $4,887-90.0% |