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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 | $17,108 | $64,871-73.6% | $129,110-86.7% | $66,930-74.4% |
| Participation rate | 26.9% | 74.0%-47.0pp | 77.3%-50.3pp | 69.8%-42.9pp |
| Annual return | -20.08% | -12.21%-7.9pp | -10.94%-9.1pp | 1.57%-21.7pp |
| Employer contribution / active EE | $1,110 | $3,741-70.3% | $5,052-78.0% | $2,545-56.4% |
| Participant deferral / active EE | $1,787 | $5,090-64.9% | $6,542-72.7% | $4,238-57.8% |
| Admin fee / account holder | $1,534 | $629+143.9% | $14,302-89.3% | $593+158.5% |