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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 | $3,963 | $42,909-90.8% | $60,906-93.5% | $68,486-94.2% |
| Participation rate | 37.2% | 66.8%-29.6pp | 73.1%-35.9pp | 67.9%-30.7pp |
| Annual return | -26.66% | -13.99%-12.7pp | 16.94%-43.6pp | -7.85%-18.8pp |
| Employer contribution / active EE | $394 | $1,979-80.1% | $2,703-85.4% | $2,597-84.8% |
| Participant deferral / active EE | $568 | $2,866-80.2% | $3,814-85.1% | $4,028-85.9% |
| Admin fee / account holder | $430 | $3,104-86.1% | $3,227-86.7% | $5,404-92.0% |