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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 | $8,073 | $72,177-88.8% | $115,038-93.0% | $59,633-86.5% |
| Participation rate | 69.8% | 72.6%-2.8pp | 81.4%-11.6pp | 68.7%+1.1pp |
| Annual return | -2.52% | 12.02%-14.5pp | 26.14%-28.7pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $1,122 | $2,841-60.5% | $4,608-75.7% | $2,203-49.1% |
| Participant deferral / active EE | $1,155 | $4,783-75.9% | $6,026-80.8% | $3,192-63.8% |
| Admin fee / account holder | $772 | $4,927-84.3% | $8,175-90.6% | $4,297-82.0% |