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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 | $26,864 | $94,529-71.6% | $140,019-80.8% | $64,173-58.1% |
| Participation rate | 32.4% | 84.1%-51.7pp | 87.5%-55.1pp | 69.6%-37.2pp |
| Annual return | -16.24% | 7.77%-24.0pp | 651.15%-667.4pp | 7.63%-23.9pp |
| Employer contribution / active EE | $0 | $3,812-100.0% | $5,605-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,307 | $5,250-37.0% | $6,927-52.2% | $3,470-4.7% |
| Admin fee / account holder | $1,507 | $6,741-77.7% | $10,705-85.9% | $4,887-69.2% |