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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 | $8,228 | $73,009-88.7% | $90,760-90.9% | $68,486-88.0% |
| Participation rate | 32.3% | 70.8%-38.6pp | 75.7%-43.4pp | 67.9%-35.6pp |
| Annual return | -19.45% | -13.81%-5.6pp | -12.16%-7.3pp | -7.85%-11.6pp |
| Employer contribution / active EE | $643 | $2,193-70.7% | $2,922-78.0% | $2,597-75.2% |
| Participant deferral / active EE | $1,081 | $3,626-70.2% | $4,565-76.3% | $4,028-73.1% |
| Admin fee / account holder | $1,342 | $5,896-77.2% | $8,444-84.1% | $5,404-75.2% |