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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 | $14,191 | $81,870-82.7% | $119,608-88.1% | $68,495-79.3% |
| Participation rate | 22.2% | 71.9%-49.7pp | 79.3%-57.0pp | 67.9%-45.7pp |
| Annual return | -24.22% | -23.82%-0.4pp | -14.98%-9.2pp | -7.84%-16.4pp |
| Employer contribution / active EE | $755 | $2,692-71.9% | $4,232-82.2% | $2,596-70.9% |
| Participant deferral / active EE | $1,530 | $4,148-63.1% | $5,601-72.7% | $4,028-62.0% |
| Admin fee / account holder | $466 | $6,583-92.9% | $10,326-95.5% | $5,403-91.4% |