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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 | $2,696 | $42,909-93.7% | $60,906-95.6% | $68,486-96.1% |
| Participation rate | 47.9% | 66.8%-18.9pp | 73.1%-25.2pp | 67.9%-20.0pp |
| Annual return | -20.56% | -13.99%-6.6pp | 16.94%-37.5pp | -7.85%-12.7pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,703-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,018 | $2,866-64.5% | $3,814-73.3% | $4,028-74.7% |
| Admin fee / account holder | $356 | $3,104-88.5% | $3,227-89.0% | $5,404-93.4% |