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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 | $14,729 | $62,589-76.5% | $76,768-80.8% | $64,173-77.0% |
| Participation rate | 29.4% | 72.8%-43.4pp | 77.0%-47.6pp | 69.6%-40.2pp |
| Annual return | -8.70% | -1.95%-6.8pp | 2.43%-11.1pp | 7.63%-16.3pp |
| Employer contribution / active EE | $599 | $1,832-67.3% | $2,485-75.9% | $2,381-74.8% |
| Participant deferral / active EE | $931 | $3,145-70.4% | $3,852-75.8% | $3,470-73.2% |
| Admin fee / account holder | $881 | $4,667-81.1% | $6,675-86.8% | $4,887-82.0% |