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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 | $6,842 | $52,519-87.0% | $155,789-95.6% | $59,633-88.5% |
| Participation rate | 34.5% | 61.7%-27.2pp | 76.1%-41.6pp | 68.7%-34.2pp |
| Annual return | -3.23% | 53.51%-56.7pp | 71.54%-74.8pp | 2041.45%-2044.7pp |
| Employer contribution / active EE | $532 | $1,589-66.5% | $3,839-86.1% | $2,203-75.8% |
| Participant deferral / active EE | $682 | $3,084-77.9% | $4,798-85.8% | $3,192-78.6% |
| Admin fee / account holder | $980 | $3,540-72.3% | $7,477-86.9% | $4,297-77.2% |