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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 | $11,875 | $59,819-80.1% | $79,583-85.1% | $68,490-82.7% |
| Participation rate | 25.0% | 61.1%-36.1pp | 69.5%-44.5pp | 67.9%-42.9pp |
| Annual return | -21.95% | -12.30%-9.7pp | 0.16%-22.1pp | -7.85%-14.1pp |
| Employer contribution / active EE | $544 | $1,505-63.9% | $2,414-77.5% | $2,597-79.1% |
| Participant deferral / active EE | $1,012 | $3,025-66.5% | $3,986-74.6% | $4,028-74.9% |
| Admin fee / account holder | $1,492 | $4,835-69.1% | $6,835-78.2% | $5,403-72.4% |