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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 | $18,575 | $78,423-76.3% | $95,964-80.6% | $79,856-76.7% |
| Participation rate | 51.9% | 73.5%-21.6pp | 77.1%-25.2pp | 69.6%-17.7pp |
| Annual return | -18.31% | 19.37%-37.7pp | 91.64%-110.0pp | 31.71%-50.0pp |
| Employer contribution / active EE | $750 | $1,945-61.5% | $2,541-70.5% | $2,471-69.7% |
| Participant deferral / active EE | $1,340 | $3,440-61.1% | $4,167-67.8% | $3,741-64.2% |
| Admin fee / account holder | $2,354 | $5,622-58.1% | $6,797-65.4% | $5,306-55.6% |