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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 | $8,607 | $73,019-88.2% | $90,766-90.5% | $68,490-87.4% |
| Participation rate | 46.4% | 70.8%-24.4pp | 75.7%-29.3pp | 67.9%-21.5pp |
| Annual return | -24.34% | -13.81%-10.5pp | -12.16%-12.2pp | -7.85%-16.5pp |
| Employer contribution / active EE | $1,042 | $2,193-52.5% | $2,922-64.3% | $2,597-59.9% |
| Participant deferral / active EE | $1,390 | $3,626-61.7% | $4,565-69.6% | $4,028-65.5% |
| Admin fee / account holder | $584 | $5,897-90.1% | $8,446-93.1% | $5,403-89.2% |