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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 | $8,990 | $100,970-91.1% | $96,576-90.7% | $137,256-93.4% |
| Participation rate | 66.7% | 82.6%-15.9pp | 81.4%-14.8pp | 80.0%-13.3pp |
| Annual return | -2.16% | 38.16%-40.3pp | 38.47%-40.6pp | 220.34%-222.5pp |
| Employer contribution / active EE | $701 | $3,809-81.6% | $3,553-80.3% | $4,156-83.1% |
| Participant deferral / active EE | $2,050 | $8,286-75.3% | $7,956-74.2% | $6,407-68.0% |
| Admin fee / account holder | $301 | $11,312-97.3% | $11,381-97.4% | $12,270-97.6% |