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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 | $19,446 | $69,977-72.2% | $108,582-82.1% | $62,881-69.1% |
| Participation rate | 28.0% | 72.9%-44.9pp | 79.6%-51.6pp | 69.3%-41.3pp |
| Annual return | -5.70% | 10.73%-16.4pp | -51.70%+46.0pp | 20.14%-25.8pp |
| Employer contribution / active EE | $77 | $2,135-96.4% | $3,758-98.0% | $2,281-96.6% |
| Participant deferral / active EE | $1,524 | $3,165-51.8% | $4,311-64.6% | $3,203-52.4% |
| Admin fee / account holder | $2,459 | $5,076-51.6% | $7,645-67.8% | $4,296-42.7% |