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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 | $23,842 | $81,870-70.9% | $119,622-80.1% | $68,486-65.2% |
| Participation rate | 55.6% | 71.9%-16.3pp | 79.3%-23.7pp | 67.9%-12.3pp |
| Annual return | -19.16% | -23.82%+4.7pp | -14.98%-4.2pp | -7.85%-11.3pp |
| Employer contribution / active EE | $898 | $2,692-66.6% | $4,232-78.8% | $2,597-65.4% |
| Participant deferral / active EE | $1,378 | $4,148-66.8% | $5,601-75.4% | $4,028-65.8% |
| Admin fee / account holder | $1,973 | $6,583-70.0% | $10,328-80.9% | $5,404-63.5% |