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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 | $10,942 | $71,872-84.8% | $86,691-87.4% | $68,495-84.0% |
| Participation rate | 30.3% | 72.2%-41.9pp | 76.6%-46.2pp | 67.9%-37.6pp |
| Annual return | -23.94% | 3.53%-27.5pp | 35.94%-59.9pp | -7.84%-16.1pp |
| Employer contribution / active EE | $793 | $2,173-63.5% | $2,837-72.0% | $2,596-69.5% |
| Participant deferral / active EE | $1,686 | $3,779-55.4% | $4,656-63.8% | $4,028-58.1% |
| Admin fee / account holder | $605 | $6,112-90.1% | $7,492-91.9% | $5,403-88.8% |