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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 | $3,062 | $73,009-95.8% | $90,756-96.6% | $68,495-95.5% |
| Participation rate | 68.5% | 70.8%-2.3pp | 75.7%-7.2pp | 67.9%+0.6pp |
| Annual return | -29.84% | -13.81%-16.0pp | -12.16%-17.7pp | -7.84%-22.0pp |
| Employer contribution / active EE | $816 | $2,193-62.8% | $2,922-72.1% | $2,596-68.6% |
| Participant deferral / active EE | $1,053 | $3,626-71.0% | $4,565-76.9% | $4,028-73.9% |
| Admin fee / account holder | $364 | $5,896-93.8% | $8,445-95.7% | $5,403-93.3% |