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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 | $20,034 | $71,878-72.1% | $86,698-76.9% | $68,486-70.7% |
| Participation rate | 43.5% | 72.2%-28.8pp | 76.6%-33.1pp | 67.9%-24.4pp |
| Annual return | -19.10% | 3.53%-22.6pp | 35.95%-55.1pp | -7.85%-11.2pp |
| Employer contribution / active EE | $627 | $2,173-71.2% | $2,837-77.9% | $2,597-75.9% |
| Participant deferral / active EE | $1,532 | $3,779-59.5% | $4,656-67.1% | $4,028-62.0% |
| Admin fee / account holder | $803 | $6,113-86.9% | $7,493-89.3% | $5,404-85.1% |