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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 | $7,029 | $72,177-90.3% | $115,038-93.9% | $59,633-88.2% |
| Participation rate | 34.2% | 72.6%-38.3pp | 81.4%-47.1pp | 68.7%-34.4pp |
| Annual return | -38.48% | 12.02%-50.5pp | 26.14%-64.6pp | 2041.45%-2079.9pp |
| Employer contribution / active EE | $622 | $2,841-78.1% | $4,608-86.5% | $2,203-71.8% |
| Participant deferral / active EE | $1,370 | $4,783-71.4% | $6,026-77.3% | $3,192-57.1% |
| Admin fee / account holder | $1,498 | $4,927-69.6% | $8,175-81.7% | $4,297-65.1% |