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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 | $7,879 | $57,350-86.3% | $83,850-90.6% | $64,181-87.7% |
| Participation rate | 50.9% | 68.6%-17.7pp | 76.1%-25.3pp | 69.6%-18.7pp |
| Annual return | -9.90% | 11.38%-21.3pp | 850.92%-860.8pp | 7.63%-17.5pp |
| Employer contribution / active EE | $533 | $2,545-79.1% | $3,631-85.3% | $2,381-77.6% |
| Participant deferral / active EE | $1,938 | $2,993-35.3% | $4,082-52.5% | $3,470-44.2% |
| Admin fee / account holder | $674 | $4,046-83.3% | $5,478-87.7% | $4,887-86.2% |