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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 | $12,337 | $106,749-88.4% | $145,433-91.5% | $82,448-85.0% |
| Participation rate | 34.5% | 75.6%-41.2pp | 82.1%-47.6pp | 68.1%-33.6pp |
| Annual return | -47.17% | 27.59%-74.8pp | 66.58%-113.7pp | 41.64%-88.8pp |
| Employer contribution / active EE | $1,523 | $3,444-55.8% | $4,554-66.6% | $2,551-40.3% |
| Participant deferral / active EE | $2,346 | $6,519-64.0% | $7,897-70.3% | $4,139-43.3% |
| Admin fee / account holder | $2,115 | $8,390-74.8% | $13,129-83.9% | $7,234-70.8% |