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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 | $13,090 | $57,350-77.2% | $83,850-84.4% | $64,181-79.6% |
| Participation rate | 33.3% | 68.6%-35.3pp | 76.1%-42.8pp | 69.6%-36.2pp |
| Annual return | -19.05% | 11.38%-30.4pp | 850.92%-870.0pp | 7.63%-26.7pp |
| Employer contribution / active EE | $407 | $2,545-84.0% | $3,631-88.8% | $2,381-82.9% |
| Participant deferral / active EE | $1,763 | $2,993-41.1% | $4,082-56.8% | $3,470-49.2% |
| Admin fee / account holder | $1,852 | $4,046-54.2% | $5,478-66.2% | $4,887-62.1% |