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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 | $17,034 | $70,002-75.7% | $115,038-85.2% | $52,331-67.4% |
| Participation rate | 16.5% | 72.1%-55.6pp | 81.4%-64.9pp | 68.1%-51.6pp |
| Annual return | -9.89% | 4.04%-13.9pp | 26.14%-36.0pp | 4.54%-14.4pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,345 | $4,920-72.7% | $6,026-77.7% | $3,022-55.5% |
| Admin fee / account holder | $1,318 | $566+132.9% | $8,175-83.9% | $592+122.8% |