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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 | $9,663 | $69,012-86.0% | $160,009-94.0% | $68,486-85.9% |
| Participation rate | 29.2% | 65.4%-36.3pp | 78.0%-48.8pp | 67.9%-38.7pp |
| Annual return | -21.58% | -9.65%-11.9pp | 408.85%-430.4pp | -7.85%-13.7pp |
| Employer contribution / active EE | $179 | $2,212-91.9% | $4,225-95.8% | $2,597-93.1% |
| Participant deferral / active EE | $1,402 | $4,212-66.7% | $6,183-77.3% | $4,028-65.2% |
| Admin fee / account holder | $473 | $4,798-90.1% | $8,715-94.6% | $5,404-91.2% |