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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 | $17,940 | $82,674-78.3% | $125,381-85.7% | $68,486-73.8% |
| Participation rate | 30.4% | 75.1%-44.6pp | 82.4%-51.9pp | 67.9%-37.5pp |
| Annual return | -26.45% | -5.97%-20.5pp | 572.31%-598.8pp | -7.85%-18.6pp |
| Employer contribution / active EE | $851 | $3,382-74.8% | $4,815-82.3% | $2,597-67.2% |
| Participant deferral / active EE | $2,039 | $6,111-66.6% | $7,448-72.6% | $4,028-49.4% |
| Admin fee / account holder | $550 | $6,277-91.2% | $10,007-94.5% | $5,404-89.8% |