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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 | $13,748 | $94,529-85.5% | $140,019-90.2% | $64,173-78.6% |
| Participation rate | 42.1% | 84.1%-42.0pp | 87.5%-45.4pp | 69.6%-27.5pp |
| Annual return | -13.43% | 7.77%-21.2pp | 651.15%-664.6pp | 7.63%-21.1pp |
| Employer contribution / active EE | $591 | $3,812-84.5% | $5,605-89.5% | $2,381-75.2% |
| Participant deferral / active EE | $2,660 | $5,250-49.3% | $6,927-61.6% | $3,470-23.3% |
| Admin fee / account holder | $745 | $6,741-89.0% | $10,705-93.0% | $4,887-84.8% |