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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 | $16,231 | $81,487-80.1% | $102,412-84.2% | $80,935-79.9% |
| Participation rate | 32.3% | 66.8%-34.6pp | 74.5%-42.2pp | 67.7%-35.4pp |
| Annual return | -28.11% | 25.60%-53.7pp | 24.94%-53.0pp | 35.66%-63.8pp |
| Employer contribution / active EE | $230 | $3,103-92.6% | $3,870-94.0% | $2,757-91.6% |
| Participant deferral / active EE | $3,329 | $3,871-14.0% | $5,060-34.2% | $4,299-22.6% |
| Admin fee / account holder | $3,808 | $6,717-43.3% | $8,388-54.6% | $6,924-45.0% |