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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 | $16,750 | $94,529-82.3% | $140,019-88.0% | $64,181-73.9% |
| Participation rate | 61.5% | 84.1%-22.5pp | 87.5%-26.0pp | 69.6%-8.0pp |
| Annual return | -8.38% | 7.77%-16.1pp | 651.15%-659.5pp | 7.63%-16.0pp |
| Employer contribution / active EE | $3,754 | $3,812-1.5% | $5,605-33.0% | $2,381+57.7% |
| Participant deferral / active EE | $2,295 | $5,250-56.3% | $6,927-66.9% | $3,470-33.8% |
| Admin fee / account holder | $1,883 | $6,741-72.1% | $10,705-82.4% | $4,887-61.5% |