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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 | $12,566 | $56,339-77.7% | $104,299-88.0% | $68,490-81.7% |
| Participation rate | 32.4% | 63.3%-30.8pp | 73.3%-40.8pp | 67.9%-35.5pp |
| Annual return | -20.15% | -9.19%-11.0pp | 24.62%-44.8pp | -7.85%-12.3pp |
| Employer contribution / active EE | $781 | $1,960-60.2% | $3,373-76.8% | $2,597-69.9% |
| Participant deferral / active EE | $968 | $3,077-68.5% | $4,626-79.1% | $4,028-76.0% |
| Admin fee / account holder | $633 | $4,902-87.1% | $7,339-91.4% | $5,403-88.3% |