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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 | $22,000 | $95,404-76.9% | $113,397-80.6% | $82,637-73.4% |
| Participation rate | 30.4% | 72.8%-42.4pp | 76.5%-46.1pp | 68.1%-37.6pp |
| Annual return | -3.26% | 19.08%-22.3pp | 23.20%-26.5pp | 53.51%-56.8pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,606 | $4,220-61.9% | $5,076-68.4% | $4,126-61.1% |
| Admin fee / account holder | $3,465 | $9,168-62.2% | $11,957-71.0% | $7,339-52.8% |