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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 | $10,665 | $58,587-81.8% | $83,322-87.2% | $64,173-83.4% |
| Participation rate | 35.6% | 72.0%-36.5pp | 77.8%-42.2pp | 69.6%-34.0pp |
| Annual return | -12.22% | 9.65%-21.9pp | 10.64%-22.9pp | 7.63%-19.9pp |
| Employer contribution / active EE | $504 | $2,098-76.0% | $3,379-85.1% | $2,381-78.8% |
| Participant deferral / active EE | $1,201 | $4,654-74.2% | $5,565-78.4% | $3,470-65.4% |
| Admin fee / account holder | $940 | $9,279-89.9% | $7,540-87.5% | $4,887-80.8% |