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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 | $11,301 | $57,352-80.3% | $83,830-86.5% | $64,173-82.4% |
| Participation rate | 22.0% | 68.6%-46.7pp | 76.1%-54.2pp | 69.6%-47.6pp |
| Annual return | -15.62% | 11.38%-27.0pp | 850.97%-866.6pp | 7.63%-23.3pp |
| Employer contribution / active EE | $831 | $2,546-67.4% | $3,631-77.1% | $2,381-65.1% |
| Participant deferral / active EE | $1,176 | $2,993-60.7% | $4,082-71.2% | $3,470-66.1% |
| Admin fee / account holder | $1,040 | $4,046-74.3% | $5,479-81.0% | $4,887-78.7% |