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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 | $20,874 | $94,529-77.9% | $140,019-85.1% | $64,173-67.5% |
| Participation rate | 57.7% | 84.1%-26.4pp | 87.5%-29.8pp | 69.6%-11.9pp |
| Annual return | -8.37% | 7.77%-16.1pp | 651.17%-659.5pp | 7.63%-16.0pp |
| Employer contribution / active EE | $1,323 | $3,812-65.3% | $5,605-76.4% | $2,381-44.4% |
| Participant deferral / active EE | $2,229 | $5,250-57.6% | $6,927-67.8% | $3,470-35.8% |
| Admin fee / account holder | $659 | $6,741-90.2% | $10,705-93.8% | $4,887-86.5% |