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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 | $16,977 | $72,177-76.5% | $115,038-85.2% | $59,633-71.5% |
| Participation rate | 58.3% | 72.6%-14.2pp | 81.4%-23.0pp | 68.7%-10.3pp |
| Annual return | -3.64% | 12.02%-15.7pp | 26.14%-29.8pp | 2041.45%-2045.1pp |
| Employer contribution / active EE | $555 | $2,841-80.5% | $4,608-88.0% | $2,203-74.8% |
| Participant deferral / active EE | $1,073 | $4,783-77.6% | $6,026-82.2% | $3,192-66.4% |
| Admin fee / account holder | $504 | $4,927-89.8% | $8,175-93.8% | $4,297-88.3% |