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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 | $9,520 | $98,760-90.4% | $149,715-93.6% | $79,858-88.1% |
| Participation rate | 37.8% | 75.8%-38.0pp | 82.5%-44.7pp | 69.6%-31.9pp |
| Annual return | -20.49% | 27.43%-47.9pp | 276.66%-297.2pp | 31.72%-52.2pp |
| Employer contribution / active EE | $857 | $3,217-73.3% | $4,645-81.5% | $2,471-65.3% |
| Participant deferral / active EE | $2,267 | $5,681-60.1% | $6,842-66.9% | $3,740-39.4% |
| Admin fee / account holder | $1,701 | $6,053-71.9% | $9,310-81.7% | $5,306-67.9% |