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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 | $6,813 | $59,834-88.6% | $79,576-91.4% | $68,495-90.1% |
| Participation rate | 34.2% | 61.1%-26.9pp | 69.5%-35.3pp | 67.9%-33.7pp |
| Annual return | -22.15% | -12.30%-9.8pp | 0.15%-22.3pp | -7.84%-14.3pp |
| Employer contribution / active EE | $672 | $1,505-55.3% | $2,413-72.1% | $2,596-74.1% |
| Participant deferral / active EE | $1,004 | $3,024-66.8% | $3,985-74.8% | $4,028-75.1% |
| Admin fee / account holder | $704 | $4,835-85.4% | $6,834-89.7% | $5,403-87.0% |