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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 | $8,249 | $81,331-89.9% | $155,534-94.7% | $80,935-89.8% |
| Participation rate | 60.2% | 66.3%-6.0pp | 78.2%-18.0pp | 67.7%-7.4pp |
| Annual return | -1.58% | 33.37%-34.9pp | 64.92%-66.5pp | 35.66%-37.2pp |
| Employer contribution / active EE | $176 | $3,105-94.3% | $4,675-96.2% | $2,757-93.6% |
| Participant deferral / active EE | $1,176 | $3,454-66.0% | $5,630-79.1% | $4,299-72.7% |
| Admin fee / account holder | $1,100 | $7,999-86.2% | $15,900-93.1% | $6,924-84.1% |