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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 | $24,673 | $65,703-62.4% | $94,224-73.8% | $59,632-58.6% |
| Participation rate | 61.1% | 72.1%-11.0pp | 78.8%-17.7pp | 68.7%-7.6pp |
| Annual return | -5.73% | 5.22%-10.9pp | 10.68%-16.4pp | 2041.32%-2047.0pp |
| Employer contribution / active EE | $2,211 | $2,021+9.4% | $3,587-38.3% | $2,203+0.4% |
| Participant deferral / active EE | $932 | $3,143-70.3% | $4,320-78.4% | $3,192-70.8% |
| Admin fee / account holder | $1,074 | $4,264-74.8% | $6,269-82.9% | $4,297-75.0% |