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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 | $5,578 | $53,546-89.6% | $69,890-92.0% | $68,490-91.9% |
| Participation rate | 29.8% | 64.5%-34.7pp | 70.5%-40.7pp | 67.9%-38.1pp |
| Annual return | -22.06% | -13.87%-8.2pp | 190.84%-212.9pp | -7.85%-14.2pp |
| Employer contribution / active EE | $427 | $2,019-78.8% | $2,560-83.3% | $2,597-83.5% |
| Participant deferral / active EE | $520 | $2,957-82.4% | $3,848-86.5% | $4,028-87.1% |
| Admin fee / account holder | $336 | $4,693-92.8% | $6,267-94.6% | $5,403-93.8% |