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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 | $5,545 | $73,102-92.4% | $123,553-95.5% | $56,289-90.1% |
| Participation rate | 38.5% | 74.3%-35.8pp | 82.3%-43.8pp | 69.9%-31.3pp |
| Annual return | -10.26% | 3.01%-13.3pp | 119.21%-129.5pp | -9.96%-0.3pp |
| Employer contribution / active EE | $708 | $2,977-76.2% | $4,628-84.7% | $2,111-66.5% |
| Participant deferral / active EE | $1,099 | $5,423-79.7% | $6,426-82.9% | $3,350-67.2% |
| Admin fee / account holder | $708 | $554+27.8% | $9,284-92.4% | $521+35.9% |