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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 | $10,541 | $43,730-75.9% | $121,220-91.3% | $64,173-83.6% |
| Participation rate | 52.9% | 58.3%-5.4pp | 71.8%-18.8pp | 69.6%-16.6pp |
| Annual return | -11.47% | 68.94%-80.4pp | 16.94%-28.4pp | 7.63%-19.1pp |
| Employer contribution / active EE | $0 | $1,297-100.0% | $4,023-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,194 | $2,281-47.7% | $3,345-64.3% | $3,470-65.6% |
| Admin fee / account holder | $1,646 | $3,502-53.0% | $5,021-67.2% | $4,887-66.3% |