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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 | $8,673 | $69,518-87.5% | $59,887-85.5% | $135,379-93.6% |
| Participation rate | 50.0% | 77.8%-27.8pp | 74.7%-24.7pp | 82.6%-32.6pp |
| Annual return | -9.15% | 7.95%-17.1pp | 3.46%-12.6pp | 519.79%-528.9pp |
| Employer contribution / active EE | $213 | $3,235-93.4% | $2,722-92.2% | $4,779-95.5% |
| Participant deferral / active EE | $1,475 | $4,204-64.9% | $3,402-56.7% | $5,609-73.7% |
| Admin fee / account holder | $857 | $5,734-85.1% | $3,591-76.1% | $10,828-92.1% |