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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 | $10,191 | $99,345-89.7% | $84,753-88.0% | $273,972-96.3% |
| Participation rate | 42.9% | 80.7%-37.8pp | 76.6%-33.7pp | 83.0%-40.2pp |
| Annual return | -2.97% | 22.93%-25.9pp | 22.78%-25.8pp | 41.46%-44.4pp |
| Employer contribution / active EE | $709 | $4,214-83.2% | $3,574-80.2% | $4,869-85.4% |
| Participant deferral / active EE | $887 | $4,270-79.2% | $3,712-76.1% | $5,287-83.2% |
| Admin fee / account holder | $311 | $6,645-95.3% | $5,333-94.2% | $10,133-96.9% |