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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 | $11,751 | $94,529-87.6% | $140,019-91.6% | $64,173-81.7% |
| Participation rate | 68.4% | 84.1%-15.7pp | 87.5%-19.1pp | 69.6%-1.1pp |
| Annual return | -13.82% | 7.77%-21.6pp | 651.15%-665.0pp | 7.63%-21.5pp |
| Employer contribution / active EE | $800 | $3,812-79.0% | $5,605-85.7% | $2,381-66.4% |
| Participant deferral / active EE | $4,217 | $5,250-19.7% | $6,927-39.1% | $3,470+21.5% |
| Admin fee / account holder | $369 | $6,741-94.5% | $10,705-96.6% | $4,887-92.5% |