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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 | $14,210 | $54,380-73.9% | $68,509-79.3% | $59,633-76.2% |
| Participation rate | 57.9% | 70.2%-12.3pp | 74.7%-16.8pp | 68.7%-10.8pp |
| Annual return | -5.99% | 2.83%-8.8pp | 8.27%-14.3pp | 2041.45%-2047.4pp |
| Employer contribution / active EE | $560 | $1,539-63.6% | $2,278-75.4% | $2,203-74.6% |
| Participant deferral / active EE | $1,107 | $2,643-58.1% | $3,382-67.3% | $3,192-65.3% |
| Admin fee / account holder | $1,566 | $3,885-59.7% | $5,275-70.3% | $4,297-63.6% |