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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 | $14,810 | $100,805-85.3% | $86,698-82.9% | $134,532-89.0% |
| Participation rate | 22.2% | 79.0%-56.7pp | 76.6%-54.4pp | 81.2%-59.0pp |
| Annual return | -24.32% | 29.09%-53.4pp | 35.95%-60.3pp | 418.27%-442.6pp |
| Employer contribution / active EE | $754 | $3,490-78.4% | $2,837-73.4% | $4,741-84.1% |
| Participant deferral / active EE | $1,508 | $5,339-71.8% | $4,656-67.6% | $6,401-76.4% |
| Admin fee / account holder | $1,054 | $10,925-90.4% | $7,493-85.9% | $11,429-90.8% |