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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 | $6,107 | $85,790-92.9% | $67,313-90.9% | $135,379-95.5% |
| Participation rate | 45.8% | 76.5%-30.6pp | 69.1%-23.2pp | 82.6%-36.8pp |
| Annual return | -11.09% | -0.54%-10.6pp | -4.08%-7.0pp | 519.79%-530.9pp |
| Employer contribution / active EE | $523 | $3,487-85.0% | $2,566-79.6% | $4,779-89.1% |
| Participant deferral / active EE | $789 | $4,651-83.0% | $3,568-77.9% | $5,609-85.9% |
| Admin fee / account holder | $322 | $6,392-95.0% | $4,507-92.9% | $10,828-97.0% |