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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 | $24,876 | $110,083-77.4% | $151,639-83.6% | $68,486-63.7% |
| Participation rate | 64.0% | 84.0%-20.0pp | 87.5%-23.5pp | 67.9%-3.9pp |
| Annual return | -20.22% | -10.12%-10.1pp | 3.34%-23.6pp | -7.85%-12.4pp |
| Employer contribution / active EE | $1,174 | $4,470-73.7% | $6,165-81.0% | $2,597-54.8% |
| Participant deferral / active EE | $3,341 | $6,526-48.8% | $8,363-60.0% | $4,028-17.0% |
| Admin fee / account holder | $4,782 | $7,718-38.0% | $11,613-58.8% | $5,404-11.5% |