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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 | $6,007 | $107,809-94.4% | $97,032-93.8% | $155,188-96.1% |
| Participation rate | 54.5% | 75.5%-20.9pp | 71.6%-17.0pp | 80.8%-26.3pp |
| Annual return | -0.70% | 38.06%-38.8pp | 35.38%-36.1pp | 148.84%-149.5pp |
| Employer contribution / active EE | $0 | $2,911-100.0% | $2,629-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $3,272 | $5,129-36.2% | $4,672-30.0% | $6,531-49.9% |
| Admin fee / account holder | $935 | $10,717-91.3% | $9,418-90.1% | $14,480-93.5% |