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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 | $18,759 | $73,019-74.3% | $90,766-79.3% | $68,490-72.6% |
| Participation rate | 20.5% | 70.8%-50.3pp | 75.7%-55.2pp | 67.9%-47.4pp |
| Annual return | -27.55% | -13.81%-13.7pp | -12.16%-15.4pp | -7.85%-19.7pp |
| Employer contribution / active EE | $671 | $2,193-69.4% | $2,922-77.0% | $2,597-74.1% |
| Participant deferral / active EE | $1,009 | $3,626-72.2% | $4,565-77.9% | $4,028-74.9% |
| Admin fee / account holder | $1,589 | $5,897-73.0% | $8,446-81.2% | $5,403-70.6% |