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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 | $16,725 | $51,769-67.7% | $57,356-70.8% | $52,331-68.0% |
| Participation rate | 38.8% | 75.2%-36.4pp | 75.1%-36.2pp | 68.1%-29.3pp |
| Annual return | -4.96% | 2.43%-7.4pp | 24.41%-29.4pp | 4.54%-9.5pp |
| Employer contribution / active EE | $450 | $2,335-80.7% | $2,689-83.3% | $1,882-76.1% |
| Participant deferral / active EE | $1,495 | $2,794-46.5% | $3,162-52.7% | $3,022-50.5% |
| Admin fee / account holder | $503 | $295+70.7% | $3,357-85.0% | $592-14.9% |