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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 | $11,190 | $82,674-86.5% | $125,381-91.1% | $68,486-83.7% |
| Participation rate | 42.1% | 75.1%-32.9pp | 82.4%-40.3pp | 67.9%-25.8pp |
| Annual return | -21.40% | -5.97%-15.4pp | 572.31%-593.7pp | -7.85%-13.5pp |
| Employer contribution / active EE | $1,455 | $3,382-57.0% | $4,815-69.8% | $2,597-44.0% |
| Participant deferral / active EE | $2,445 | $6,111-60.0% | $7,448-67.2% | $4,028-39.3% |
| Admin fee / account holder | $2,531 | $6,277-59.7% | $10,007-74.7% | $5,404-53.2% |