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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 | $7,228 | $56,339-87.2% | $104,301-93.1% | $68,486-89.4% |
| Participation rate | 62.5% | 63.3%-0.8pp | 73.3%-10.8pp | 67.9%-5.4pp |
| Annual return | -21.79% | -9.19%-12.6pp | 24.61%-46.4pp | -7.85%-13.9pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $3,373-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,217 | $3,077+37.1% | $4,626-8.8% | $4,028+4.7% |
| Admin fee / account holder | $1,681 | $4,902-65.7% | $7,340-77.1% | $5,404-68.9% |