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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 | $5,065 | $155,555-96.7% | $146,866-96.6% | $155,188-96.7% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.5%-15.8pp | 80.8%-14.1pp |
| Annual return | -15.92% | 115.41%-131.3pp | 102.85%-118.8pp | 148.84%-164.8pp |
| Employer contribution / active EE | $1,723 | $4,647-62.9% | $4,425-61.1% | $4,248-59.4% |
| Participant deferral / active EE | $2,102 | $8,044-73.9% | $7,759-72.9% | $6,531-67.8% |
| Admin fee / account holder | $1,950 | $14,755-86.8% | $13,620-85.7% | $14,480-86.5% |