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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 | $7,882 | $77,816-89.9% | $123,552-93.6% | $64,173-87.7% |
| Participation rate | 48.4% | 74.7%-26.3pp | 82.3%-33.9pp | 69.6%-21.2pp |
| Annual return | -19.30% | 12.49%-31.8pp | 119.20%-138.5pp | 7.63%-26.9pp |
| Employer contribution / active EE | $1,355 | $3,014-55.0% | $4,628-70.7% | $2,381-43.1% |
| Participant deferral / active EE | $1,828 | $5,240-65.1% | $6,426-71.6% | $3,470-47.3% |
| Admin fee / account holder | $400 | $5,519-92.8% | $9,285-95.7% | $4,887-91.8% |