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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 | $14,319 | $82,028-82.5% | $123,105-88.4% | $59,633-76.0% |
| Participation rate | 64.3% | 83.2%-18.9pp | 86.8%-22.5pp | 68.7%-4.4pp |
| Annual return | -3.38% | 5.12%-8.5pp | 13.22%-16.6pp | 2041.45%-2044.8pp |
| Employer contribution / active EE | $898 | $3,297-72.8% | $5,151-82.6% | $2,203-59.3% |
| Participant deferral / active EE | $5,162 | $4,667+10.6% | $6,229-17.1% | $3,192+61.7% |
| Admin fee / account holder | $552 | $5,879-90.6% | $9,014-93.9% | $4,297-87.2% |