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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 | $5,132 | $72,404-92.9% | $110,243-95.3% | $64,173-92.0% |
| Participation rate | 41.0% | 73.3%-32.3pp | 79.8%-38.8pp | 69.6%-28.5pp |
| Annual return | -32.12% | -6.29%-25.8pp | 314.76%-346.9pp | 7.63%-39.8pp |
| Employer contribution / active EE | $832 | $2,282-63.5% | $3,827-78.3% | $2,381-65.0% |
| Participant deferral / active EE | $1,185 | $3,469-65.9% | $4,672-74.6% | $3,470-65.9% |
| Admin fee / account holder | $408 | $5,664-92.8% | $8,548-95.2% | $4,887-91.7% |