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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 | $17,276 | $94,529-81.7% | $140,019-87.7% | $64,173-73.1% |
| Participation rate | 23.3% | 84.1%-60.8pp | 87.5%-64.2pp | 69.6%-46.3pp |
| Annual return | -10.39% | 7.77%-18.2pp | 651.17%-661.6pp | 7.63%-18.0pp |
| Employer contribution / active EE | $0 | $3,812-100.0% | $5,605-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,802 | $5,250-65.7% | $6,927-74.0% | $3,470-48.1% |
| Admin fee / account holder | $1,264 | $6,741-81.2% | $10,705-88.2% | $4,887-74.1% |