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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 | $15,644 | $82,674-81.1% | $125,381-87.5% | $68,486-77.2% |
| Participation rate | 68.6% | 75.1%-6.5pp | 82.4%-13.8pp | 67.9%+0.7pp |
| Annual return | -20.97% | -5.97%-15.0pp | 572.31%-593.3pp | -7.85%-13.1pp |
| Employer contribution / active EE | $2,233 | $3,382-34.0% | $4,815-53.6% | $2,597-14.0% |
| Participant deferral / active EE | $2,335 | $6,111-61.8% | $7,448-68.7% | $4,028-42.0% |
| Admin fee / account holder | $992 | $6,277-84.2% | $10,007-90.1% | $5,404-81.6% |