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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 | $9,369 | $33,067-71.7% | $76,523-87.8% | $56,287-83.4% |
| Participation rate | 22.1% | 55.4%-33.3pp | 68.0%-45.9pp | 69.9%-47.7pp |
| Annual return | -42.28% | 2.72%-45.0pp | -0.27%-42.0pp | -9.96%-32.3pp |
| Employer contribution / active EE | $485 | $1,200-59.6% | $2,647-81.7% | $2,111-77.0% |
| Participant deferral / active EE | $703 | $2,240-68.6% | $3,835-81.7% | $3,350-79.0% |
| Admin fee / account holder | $3,495 | $537+550.8% | $4,848-27.9% | $521+570.8% |