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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 | $4,826 | $52,678-90.8% | $75,784-93.6% | $59,633-91.9% |
| Participation rate | 54.0% | 67.2%-13.3pp | 75.8%-21.9pp | 68.7%-14.7pp |
| Annual return | -5.32% | 2.95%-8.3pp | 9.68%-15.0pp | 2041.45%-2046.8pp |
| Employer contribution / active EE | $3,791 | $2,193+72.8% | $3,323+14.1% | $2,203+72.1% |
| Participant deferral / active EE | $686 | $2,591-73.5% | $3,652-81.2% | $3,192-78.5% |
| Admin fee / account holder | $1,970 | $3,610-45.4% | $5,300-62.8% | $4,297-54.2% |