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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 | $25,256 | $91,536-72.4% | $130,062-80.6% | $75,177-66.4% |
| Participation rate | 42.0% | 71.5%-29.5pp | 78.5%-36.5pp | 67.2%-25.2pp |
| Annual return | 8.69% | -631.62%+640.3pp | -137.37%+146.1pp | 160.75%-152.1pp |
| Employer contribution / active EE | $752 | $2,845-73.6% | $4,322-82.6% | $2,671-71.8% |
| Participant deferral / active EE | $1,796 | $4,343-58.6% | $5,821-69.1% | $4,126-56.5% |
| Admin fee / account holder | $2,888 | $6,780-57.4% | $10,601-72.8% | $5,651-48.9% |