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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 | $9,437 | $50,947-81.5% | $74,551-87.3% | $64,173-85.3% |
| Participation rate | 55.4% | 61.1%-5.7pp | 69.1%-13.8pp | 69.6%-14.2pp |
| Annual return | -9.19% | -1.85%-7.3pp | 32.53%-41.7pp | 7.63%-16.8pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,802 | $2,302+65.2% | $3,108+22.3% | $3,470+9.6% |
| Admin fee / account holder | $1,245 | $4,221-70.5% | $5,059-75.4% | $4,887-74.5% |