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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 | $19,709 | $67,411-70.8% | $91,004-78.3% | $70,131-71.9% |
| Participation rate | 45.5% | 71.4%-25.9pp | 75.6%-30.1pp | 69.5%-24.1pp |
| Annual return | 6.45% | -40.16%+46.6pp | 4.60%+1.8pp | 73.14%-66.7pp |
| Employer contribution / active EE | $344 | $1,786-80.7% | $2,456-86.0% | $2,342-85.3% |
| Participant deferral / active EE | $958 | $2,823-66.1% | $3,548-73.0% | $3,332-71.3% |
| Admin fee / account holder | $324 | $4,236-92.3% | $5,417-94.0% | $4,645-93.0% |