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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 | $30,249 | $110,083-72.5% | $151,639-80.1% | $68,486-55.8% |
| Participation rate | 45.0% | 84.0%-39.0pp | 87.5%-42.5pp | 67.9%-22.9pp |
| Annual return | -20.80% | -10.12%-10.7pp | 3.34%-24.1pp | -7.85%-12.9pp |
| Employer contribution / active EE | $1,272 | $4,470-71.6% | $6,165-79.4% | $2,597-51.0% |
| Participant deferral / active EE | $3,230 | $6,526-50.5% | $8,363-61.4% | $4,028-19.8% |
| Admin fee / account holder | $1,677 | $7,718-78.3% | $11,613-85.6% | $5,404-69.0% |