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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 | $14,095 | $77,817-81.9% | $123,553-88.6% | $64,173-78.0% |
| Participation rate | 31.7% | 74.7%-43.0pp | 82.3%-50.6pp | 69.6%-37.9pp |
| Annual return | -18.73% | 12.49%-31.2pp | 119.21%-137.9pp | 7.63%-26.4pp |
| Employer contribution / active EE | $786 | $3,014-73.9% | $4,628-83.0% | $2,381-67.0% |
| Participant deferral / active EE | $1,690 | $5,240-67.7% | $6,426-73.7% | $3,470-51.3% |
| Admin fee / account holder | $2,403 | $5,519-56.5% | $9,284-74.1% | $4,887-50.8% |