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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 | $16,522 | $127,387-87.0% | $115,038-85.6% | $125,389-86.8% |
| Participation rate | 53.8% | 84.2%-30.3pp | 81.4%-27.5pp | 83.2%-29.3pp |
| Annual return | -5.44% | 31.28%-36.7pp | 26.14%-31.6pp | 282.24%-287.7pp |
| Employer contribution / active EE | $1,098 | $5,166-78.8% | $4,608-76.2% | $4,866-77.4% |
| Participant deferral / active EE | $1,709 | $6,423-73.4% | $6,026-71.6% | $5,352-68.1% |
| Admin fee / account holder | $551 | $9,516-94.2% | $8,175-93.3% | $9,541-94.2% |