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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 | $11,585 | $49,280-76.5% | $67,313-82.8% | $64,181-81.9% |
| Participation rate | 65.5% | 60.8%+4.7pp | 69.1%-3.6pp | 69.6%-4.1pp |
| Annual return | -10.96% | -1.39%-9.6pp | -4.08%-6.9pp | 7.63%-18.6pp |
| Employer contribution / active EE | $231 | $1,668-86.1% | $2,566-91.0% | $2,381-90.3% |
| Participant deferral / active EE | $2,525 | $2,484+1.7% | $3,568-29.2% | $3,470-27.2% |
| Admin fee / account holder | $1,342 | $3,863-65.3% | $4,507-70.2% | $4,887-72.5% |