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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 | $3,282 | $51,642-93.6% | $129,384-97.5% | $80,935-95.9% |
| Participation rate | 61.5% | 56.9%+4.6pp | 69.6%-8.1pp | 67.7%-6.1pp |
| Annual return | -13.22% | 20.78%-34.0pp | 9461.77%-9475.0pp | 35.66%-48.9pp |
| Employer contribution / active EE | $329 | $1,583-79.2% | $4,153-92.1% | $2,757-88.1% |
| Participant deferral / active EE | $476 | $2,670-82.2% | $4,166-88.6% | $4,299-88.9% |
| Admin fee / account holder | $557 | $4,312-87.1% | $7,686-92.8% | $6,924-92.0% |