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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 | $27,427 | $110,083-75.1% | $151,639-81.9% | $68,486-60.0% |
| Participation rate | 52.1% | 84.0%-31.8pp | 87.5%-35.4pp | 67.9%-15.8pp |
| Annual return | -19.50% | -10.12%-9.4pp | 3.34%-22.8pp | -7.85%-11.6pp |
| Employer contribution / active EE | $626 | $4,470-86.0% | $6,165-89.8% | $2,597-75.9% |
| Participant deferral / active EE | $3,838 | $6,526-41.2% | $8,363-54.1% | $4,028-4.7% |
| Admin fee / account holder | $579 | $7,718-92.5% | $11,613-95.0% | $5,404-89.3% |