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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 | $15,552 | $51,769-70.0% | $57,349-72.9% | $52,331-70.3% |
| Participation rate | 34.0% | 75.2%-41.3pp | 75.1%-41.1pp | 68.1%-34.1pp |
| Annual return | -3.12% | 2.43%-5.5pp | 24.40%-27.5pp | 4.54%-7.7pp |
| Employer contribution / active EE | $759 | $2,335-67.5% | $2,689-71.8% | $1,882-59.6% |
| Participant deferral / active EE | $413 | $2,794-85.2% | $3,162-86.9% | $3,022-86.3% |
| Admin fee / account holder | $1,196 | $295+305.9% | $3,356-64.4% | $592+102.2% |