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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 | $19,275 | $77,816-75.2% | $123,549-84.4% | $64,181-70.0% |
| Participation rate | 36.7% | 74.7%-38.0pp | 82.3%-45.6pp | 69.6%-32.9pp |
| Annual return | -8.68% | 12.49%-21.2pp | 119.20%-127.9pp | 7.63%-16.3pp |
| Employer contribution / active EE | $658 | $3,014-78.2% | $4,628-85.8% | $2,381-72.4% |
| Participant deferral / active EE | $2,105 | $5,240-59.8% | $6,426-67.2% | $3,470-39.3% |
| Admin fee / account holder | $368 | $5,519-93.3% | $9,284-96.0% | $4,887-92.5% |