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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 | $23,102 | $65,704-64.8% | $94,229-75.5% | $59,633-61.3% |
| Participation rate | 36.0% | 72.1%-36.1pp | 78.8%-42.8pp | 68.7%-32.7pp |
| Annual return | -2.74% | 5.22%-8.0pp | 10.68%-13.4pp | 2041.45%-2044.2pp |
| Employer contribution / active EE | $399 | $2,021-80.3% | $3,587-88.9% | $2,203-81.9% |
| Participant deferral / active EE | $1,187 | $3,143-62.2% | $4,320-72.5% | $3,192-62.8% |
| Admin fee / account holder | $783 | $4,265-81.6% | $6,269-87.5% | $4,297-81.8% |