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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 | $20,987 | $70,430-70.2% | $96,572-78.3% | $85,851-75.6% |
| Participation rate | 8.8% | 61.8%-53.0pp | 69.8%-61.0pp | 69.3%-60.5pp |
| Annual return | -33.29% | 18.58%-51.9pp | 37.79%-71.1pp | 318.63%-351.9pp |
| Employer contribution / active EE | $360 | $1,413-74.6% | $2,357-84.7% | $2,565-86.0% |
| Participant deferral / active EE | $761 | $2,894-73.7% | $3,850-80.2% | $3,952-80.7% |
| Admin fee / account holder | $5,399 | $4,996+8.1% | $6,183-12.7% | $6,261-13.8% |