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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 | $13,185 | $72,177-81.7% | $115,038-88.5% | $59,633-77.9% |
| Participation rate | 25.6% | 72.6%-46.9pp | 81.4%-55.7pp | 68.7%-43.0pp |
| Annual return | -6.74% | 12.02%-18.8pp | 26.14%-32.9pp | 2041.45%-2048.2pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $4,207 | $4,783-12.0% | $6,026-30.2% | $3,192+31.8% |
| Admin fee / account holder | $1,559 | $4,927-68.3% | $8,175-80.9% | $4,297-63.7% |