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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 | $18,340 | $78,423-76.6% | $95,964-80.9% | $79,856-77.0% |
| Participation rate | 32.1% | 73.5%-41.3pp | 77.1%-44.9pp | 69.6%-37.5pp |
| Annual return | -1.63% | 19.37%-21.0pp | 91.64%-93.3pp | 31.71%-33.3pp |
| Employer contribution / active EE | $728 | $1,945-62.6% | $2,541-71.3% | $2,471-70.5% |
| Participant deferral / active EE | $754 | $3,440-78.1% | $4,167-81.9% | $3,741-79.8% |
| Admin fee / account holder | $7,883 | $5,622+40.2% | $6,797+16.0% | $5,306+48.6% |