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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 | $6,006 | $59,813-90.0% | $79,580-92.5% | $68,486-91.2% |
| Participation rate | 35.7% | 61.1%-25.4pp | 69.5%-33.8pp | 67.9%-32.2pp |
| Annual return | -30.52% | -12.30%-18.2pp | 0.15%-30.7pp | -7.85%-22.7pp |
| Employer contribution / active EE | $437 | $1,505-71.0% | $2,413-81.9% | $2,597-83.2% |
| Participant deferral / active EE | $770 | $3,024-74.5% | $3,985-80.7% | $4,028-80.9% |
| Admin fee / account holder | $542 | $4,835-88.8% | $6,835-92.1% | $5,404-90.0% |