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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 | $12,032 | $58,093-79.3% | $80,022-85.0% | $56,289-78.6% |
| Participation rate | 29.6% | 73.6%-44.1pp | 75.8%-46.3pp | 69.9%-40.3pp |
| Annual return | -8.78% | 34.63%-43.4pp | 11.22%-20.0pp | -9.96%+1.2pp |
| Employer contribution / active EE | $367 | $1,933-81.0% | $2,468-85.1% | $2,111-82.6% |
| Participant deferral / active EE | $1,527 | $3,136-51.3% | $3,686-58.6% | $3,350-54.4% |
| Admin fee / account holder | $1,778 | $623+185.6% | $6,521-72.7% | $521+241.3% |