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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 | $18,499 | $73,019-74.7% | $90,766-79.6% | $68,490-73.0% |
| Participation rate | 25.0% | 70.8%-45.8pp | 75.7%-50.7pp | 67.9%-42.9pp |
| Annual return | -21.18% | -13.81%-7.4pp | -12.16%-9.0pp | -7.85%-13.3pp |
| Employer contribution / active EE | $623 | $2,193-71.6% | $2,922-78.7% | $2,597-76.0% |
| Participant deferral / active EE | $1,146 | $3,626-68.4% | $4,565-74.9% | $4,028-71.6% |
| Admin fee / account holder | $500 | $5,897-91.5% | $8,446-94.1% | $5,403-90.8% |