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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 | $10,340 | $58,093-82.2% | $80,022-87.1% | $56,289-81.6% |
| Participation rate | 58.4% | 73.6%-15.2pp | 75.8%-17.4pp | 69.9%-11.4pp |
| Annual return | -8.28% | 34.63%-42.9pp | 11.22%-19.5pp | -9.96%+1.7pp |
| Employer contribution / active EE | $670 | $1,933-65.3% | $2,468-72.9% | $2,111-68.3% |
| Participant deferral / active EE | $950 | $3,136-69.7% | $3,686-74.2% | $3,350-71.6% |
| Admin fee / account holder | $317 | $623-49.0% | $6,521-95.1% | $521-39.1% |