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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 | $11,309 | $72,620-84.4% | $90,760-87.5% | $66,938-83.1% |
| Participation rate | 35.3% | 73.7%-38.4pp | 75.7%-40.4pp | 69.8%-34.5pp |
| Annual return | -18.07% | -12.28%-5.8pp | -12.16%-5.9pp | 1.58%-19.6pp |
| Employer contribution / active EE | $958 | $2,369-59.6% | $2,922-67.2% | $2,545-62.3% |
| Participant deferral / active EE | $1,355 | $3,979-66.0% | $4,565-70.3% | $4,238-68.0% |
| Admin fee / account holder | $940 | $707+32.9% | $8,444-88.9% | $594+58.3% |