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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 | $10,711 | $81,870-86.9% | $119,622-91.0% | $68,486-84.4% |
| Participation rate | 48.1% | 71.9%-23.7pp | 79.3%-31.1pp | 67.9%-19.7pp |
| Annual return | -20.38% | -23.82%+3.4pp | -14.98%-5.4pp | -7.85%-12.5pp |
| Employer contribution / active EE | $1,074 | $2,692-60.1% | $4,232-74.6% | $2,597-58.7% |
| Participant deferral / active EE | $1,817 | $4,148-56.2% | $5,601-67.6% | $4,028-54.9% |
| Admin fee / account holder | $1,112 | $6,583-83.1% | $10,328-89.2% | $5,404-79.4% |