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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 | $14,515 | $58,828-75.3% | $78,002-81.4% | $62,881-76.9% |
| Participation rate | 46.7% | 71.1%-24.4pp | 75.5%-28.9pp | 69.3%-22.6pp |
| Annual return | -0.49% | 17.16%-17.6pp | 425.99%-426.5pp | 20.14%-20.6pp |
| Employer contribution / active EE | $484 | $1,672-71.1% | $2,470-80.4% | $2,281-78.8% |
| Participant deferral / active EE | $1,052 | $2,686-60.8% | $3,497-69.9% | $3,203-67.2% |
| Admin fee / account holder | $1,983 | $4,393-54.9% | $5,481-63.8% | $4,296-53.8% |