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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 | $7,177 | $62,583-88.5% | $76,767-90.7% | $64,173-88.8% |
| Participation rate | 39.1% | 72.8%-33.7pp | 77.0%-37.8pp | 69.6%-30.4pp |
| Annual return | -9.92% | -1.95%-8.0pp | 2.43%-12.4pp | 7.63%-17.6pp |
| Employer contribution / active EE | $262 | $1,832-85.7% | $2,485-89.4% | $2,381-89.0% |
| Participant deferral / active EE | $1,471 | $3,145-53.2% | $3,852-61.8% | $3,470-57.6% |
| Admin fee / account holder | $685 | $4,667-85.3% | $6,675-89.7% | $4,887-86.0% |