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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $8,152 | $42,910-81.0% | $60,919-86.6% | $68,490-88.1% |
| Participation rate | 19.2% | 66.8%-47.5pp | 73.1%-53.9pp | 67.9%-48.7pp |
| Annual return | -39.04% | -13.99%-25.0pp | 16.96%-56.0pp | -7.85%-31.2pp |
| Employer contribution / active EE | $353 | $1,978-82.1% | $2,704-86.9% | $2,597-86.4% |
| Participant deferral / active EE | $929 | $2,866-67.6% | $3,814-75.7% | $4,028-76.9% |
| Admin fee / account holder | $484 | $3,104-84.4% | $3,228-85.0% | $5,403-91.0% |