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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 | $7,177 | $73,009-90.2% | $90,760-92.1% | $68,486-89.5% |
| Participation rate | 35.6% | 70.8%-35.3pp | 75.7%-40.1pp | 67.9%-32.3pp |
| Annual return | -25.80% | -13.81%-12.0pp | -12.16%-13.6pp | -7.85%-17.9pp |
| Employer contribution / active EE | $680 | $2,193-69.0% | $2,922-76.7% | $2,597-73.8% |
| Participant deferral / active EE | $1,020 | $3,626-71.9% | $4,565-77.7% | $4,028-74.7% |
| Admin fee / account holder | $451 | $5,896-92.4% | $8,444-94.7% | $5,404-91.7% |