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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 | $15,252 | $72,177-78.9% | $115,038-86.7% | $59,633-74.4% |
| Participation rate | 35.7% | 72.6%-36.8pp | 81.4%-45.7pp | 68.7%-33.0pp |
| Annual return | -3.34% | 12.02%-15.4pp | 26.14%-29.5pp | 2041.45%-2044.8pp |
| Employer contribution / active EE | $402 | $2,841-85.9% | $4,608-91.3% | $2,203-81.8% |
| Participant deferral / active EE | $2,743 | $4,783-42.7% | $6,026-54.5% | $3,192-14.1% |
| Admin fee / account holder | $1,035 | $4,927-79.0% | $8,175-87.3% | $4,297-75.9% |