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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 | $8,730 | $77,817-88.8% | $123,553-92.9% | $64,173-86.4% |
| Participation rate | 41.9% | 74.7%-32.9pp | 82.3%-40.4pp | 69.6%-27.7pp |
| Annual return | -18.32% | 12.49%-30.8pp | 119.21%-137.5pp | 7.63%-26.0pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,037 | $5,240-42.1% | $6,426-52.7% | $3,470-12.5% |
| Admin fee / account holder | $469 | $5,519-91.5% | $9,284-95.0% | $4,887-90.4% |