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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 | $9,194 | $40,275-77.2% | $57,356-84.0% | $59,633-84.6% |
| Participation rate | 33.3% | 69.1%-35.8pp | 75.1%-41.7pp | 68.7%-35.3pp |
| Annual return | -5.48% | 27.52%-33.0pp | 24.41%-29.9pp | 2041.45%-2046.9pp |
| Employer contribution / active EE | $109 | $1,921-94.3% | $2,689-95.9% | $2,203-95.1% |
| Participant deferral / active EE | $885 | $2,400-63.1% | $3,162-72.0% | $3,192-72.3% |
| Admin fee / account holder | $840 | $2,820-70.2% | $3,357-75.0% | $4,297-80.5% |