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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 | $5,163 | $57,140-91.0% | $85,240-93.9% | $80,959-93.6% |
| Participation rate | 46.2% | 56.4%-10.3pp | 67.5%-21.4pp | 67.7%-21.5pp |
| Annual return | -2.98% | 21.71%-24.7pp | 66.75%-69.7pp | 35.67%-38.7pp |
| Employer contribution / active EE | $232 | $1,802-87.1% | $2,735-91.5% | $2,757-91.6% |
| Participant deferral / active EE | $1,034 | $3,115-66.8% | $4,527-77.2% | $4,300-75.9% |
| Admin fee / account holder | $1,164 | $4,992-76.7% | $6,165-81.1% | $6,925-83.2% |