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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 | $17,683 | $73,102-75.8% | $123,552-85.7% | $56,287-68.6% |
| Participation rate | 37.2% | 74.3%-37.1pp | 82.3%-45.1pp | 69.9%-32.7pp |
| Annual return | -8.78% | 3.01%-11.8pp | 119.20%-128.0pp | -9.96%+1.2pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $4,628-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $3,409 | $5,423-37.1% | $6,426-47.0% | $3,350+1.8% |
| Admin fee / account holder | $3,839 | $554+593.3% | $9,285-58.7% | $521+636.9% |