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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 | $6,495 | $59,819-89.1% | $79,583-91.8% | $68,490-90.5% |
| Participation rate | 42.5% | 61.1%-18.6pp | 69.5%-27.0pp | 67.9%-25.4pp |
| Annual return | -21.41% | -12.30%-9.1pp | 0.16%-21.6pp | -7.85%-13.6pp |
| Employer contribution / active EE | $657 | $1,505-56.4% | $2,414-72.8% | $2,597-74.7% |
| Participant deferral / active EE | $804 | $3,025-73.4% | $3,986-79.8% | $4,028-80.0% |
| Admin fee / account holder | $788 | $4,835-83.7% | $6,835-88.5% | $5,403-85.4% |