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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 | $23,268 | $59,191-60.7% | $76,767-69.7% | $56,289-58.7% |
| Participation rate | 39.8% | 75.2%-35.4pp | 77.0%-37.1pp | 69.9%-30.0pp |
| Annual return | -7.24% | 6.62%-13.9pp | 2.43%-9.7pp | -9.96%+2.7pp |
| Employer contribution / active EE | $871 | $1,759-50.5% | $2,485-65.0% | $2,111-58.8% |
| Participant deferral / active EE | $1,352 | $3,255-58.5% | $3,852-64.9% | $3,350-59.6% |
| Admin fee / account holder | $4,308 | $489+780.6% | $6,675-35.5% | $521+726.9% |