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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 | $8,041 | $47,969-83.2% | $85,969-90.6% | $52,331-84.6% |
| Participation rate | 8.7% | 61.7%-53.0pp | 76.5%-67.8pp | 68.1%-59.4pp |
| Annual return | -4.18% | -0.13%-4.0pp | 9.32%-13.5pp | 4.54%-8.7pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $3,474-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $323 | $2,110-84.7% | $3,829-91.6% | $3,022-89.3% |
| Admin fee / account holder | $791 | $530+49.3% | $6,053-86.9% | $592+33.8% |