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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 | $9,180 | $75,935-87.9% | $60,547-84.8% | $125,388-92.7% |
| Participation rate | 25.0% | 76.5%-51.5pp | 68.0%-43.0pp | 83.2%-58.2pp |
| Annual return | -5.91% | -5.38%-0.5pp | 335.64%-341.6pp | 282.24%-288.1pp |
| Employer contribution / active EE | $302 | $3,438-91.2% | $2,419-87.5% | $4,866-93.8% |
| Participant deferral / active EE | $1,227 | $4,506-72.8% | $3,328-63.1% | $5,352-77.1% |
| Admin fee / account holder | $1,382 | $6,768-79.6% | $4,536-69.5% | $9,541-85.5% |