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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 | $4,464 | $59,813-92.5% | $79,580-94.4% | $68,486-93.5% |
| Participation rate | 38.7% | 61.1%-22.4pp | 69.5%-30.8pp | 67.9%-29.2pp |
| Annual return | -28.51% | -12.30%-16.2pp | 0.15%-28.7pp | -7.85%-20.7pp |
| Employer contribution / active EE | $513 | $1,505-65.9% | $2,413-78.8% | $2,597-80.3% |
| Participant deferral / active EE | $1,054 | $3,024-65.2% | $3,985-73.6% | $4,028-73.8% |
| Admin fee / account holder | $480 | $4,835-90.1% | $6,835-93.0% | $5,404-91.1% |