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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 | $7,096 | $54,370-86.9% | $82,763-91.4% | $68,490-89.6% |
| Participation rate | 42.9% | 63.9%-21.1pp | 72.6%-29.7pp | 67.9%-25.0pp |
| Annual return | -20.50% | -13.67%-6.8pp | 702.45%-722.9pp | -7.85%-12.6pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,008-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $933 | $3,247-71.3% | $4,395-78.8% | $4,028-76.8% |
| Admin fee / account holder | $588 | $4,398-86.6% | $5,325-88.9% | $5,403-89.1% |