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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 | $6,771 | $77,816-91.3% | $123,549-94.5% | $64,181-89.5% |
| Participation rate | 58.3% | 74.7%-16.4pp | 82.3%-24.0pp | 69.6%-11.2pp |
| Annual return | -19.26% | 12.49%-31.7pp | 119.20%-138.5pp | 7.63%-26.9pp |
| Employer contribution / active EE | $1,232 | $3,014-59.1% | $4,628-73.4% | $2,381-48.2% |
| Participant deferral / active EE | $1,542 | $5,240-70.6% | $6,426-76.0% | $3,470-55.6% |
| Admin fee / account holder | $569 | $5,519-89.7% | $9,284-93.9% | $4,887-88.4% |