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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 | $22,297 | $73,102-69.5% | $123,552-82.0% | $56,287-60.4% |
| Participation rate | 42.4% | 74.3%-31.9pp | 82.3%-39.9pp | 69.9%-27.5pp |
| Annual return | -11.09% | 3.01%-14.1pp | 119.20%-130.3pp | -9.96%-1.1pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $4,628-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $6,457 | $5,423+19.1% | $6,426+0.5% | $3,350+92.8% |
| Admin fee / account holder | $1,938 | $554+250.0% | $9,285-79.1% | $521+272.0% |