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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 | $8,626 | $71,878-88.0% | $86,698-90.1% | $68,486-87.4% |
| Participation rate | 48.5% | 72.2%-23.7pp | 76.6%-28.1pp | 67.9%-19.4pp |
| Annual return | -19.91% | 3.53%-23.4pp | 35.95%-55.9pp | -7.85%-12.1pp |
| Employer contribution / active EE | $924 | $2,173-57.5% | $2,837-67.4% | $2,597-64.4% |
| Participant deferral / active EE | $1,549 | $3,779-59.0% | $4,656-66.7% | $4,028-61.5% |
| Admin fee / account holder | $644 | $6,113-89.5% | $7,493-91.4% | $5,404-88.1% |