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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 | $10,424 | $57,352-81.8% | $83,830-87.6% | $64,173-83.8% |
| Participation rate | 50.0% | 68.6%-18.6pp | 76.1%-26.1pp | 69.6%-19.6pp |
| Annual return | -9.89% | 11.38%-21.3pp | 850.97%-860.9pp | 7.63%-17.5pp |
| Employer contribution / active EE | $119 | $2,546-95.3% | $3,631-96.7% | $2,381-95.0% |
| Participant deferral / active EE | $1,801 | $2,993-39.8% | $4,082-55.9% | $3,470-48.1% |
| Admin fee / account holder | $303 | $4,046-92.5% | $5,479-94.5% | $4,887-93.8% |