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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 | $7,964 | $82,674-90.4% | $125,381-93.6% | $68,486-88.4% |
| Participation rate | 39.4% | 75.1%-35.7pp | 82.4%-43.0pp | 67.9%-28.5pp |
| Annual return | -28.15% | -5.97%-22.2pp | 572.31%-600.5pp | -7.85%-20.3pp |
| Employer contribution / active EE | $1,057 | $3,382-68.7% | $4,815-78.0% | $2,597-59.3% |
| Participant deferral / active EE | $1,408 | $6,111-77.0% | $7,448-81.1% | $4,028-65.0% |
| Admin fee / account holder | $981 | $6,277-84.4% | $10,007-90.2% | $5,404-81.8% |