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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 | $16,015 | $77,816-79.4% | $123,552-87.0% | $64,173-75.0% |
| Participation rate | 50.0% | 74.7%-24.7pp | 82.3%-32.3pp | 69.6%-19.6pp |
| Annual return | -16.93% | 12.49%-29.4pp | 119.20%-136.1pp | 7.63%-24.6pp |
| Employer contribution / active EE | $346 | $3,014-88.5% | $4,628-92.5% | $2,381-85.5% |
| Participant deferral / active EE | $2,229 | $5,240-57.5% | $6,426-65.3% | $3,470-35.8% |
| Admin fee / account holder | $1,764 | $5,519-68.0% | $9,285-81.0% | $4,887-63.9% |