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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 | $23,054 | $94,529-75.6% | $140,019-83.5% | $64,173-64.1% |
| Participation rate | 52.6% | 84.1%-31.5pp | 87.5%-34.9pp | 69.6%-16.9pp |
| Annual return | -14.67% | 7.77%-22.4pp | 651.15%-665.8pp | 7.63%-22.3pp |
| Employer contribution / active EE | $494 | $3,812-87.1% | $5,605-91.2% | $2,381-79.3% |
| Participant deferral / active EE | $3,985 | $5,250-24.1% | $6,927-42.5% | $3,470+14.9% |
| Admin fee / account holder | $501 | $6,741-92.6% | $10,705-95.3% | $4,887-89.8% |