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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 | $14,987 | $77,817-80.7% | $123,553-87.9% | $64,173-76.6% |
| Participation rate | 30.8% | 74.7%-43.9pp | 82.3%-51.5pp | 69.6%-38.8pp |
| Annual return | -22.42% | 12.49%-34.9pp | 119.21%-141.6pp | 7.63%-30.1pp |
| Employer contribution / active EE | $525 | $3,014-82.6% | $4,628-88.7% | $2,381-78.0% |
| Participant deferral / active EE | $2,234 | $5,240-57.4% | $6,426-65.2% | $3,470-35.6% |
| Admin fee / account holder | $1,595 | $5,519-71.1% | $9,284-82.8% | $4,887-67.4% |