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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 | $18,976 | $71,878-73.6% | $86,698-78.1% | $68,486-72.3% |
| Participation rate | 67.1% | 72.2%-5.1pp | 76.6%-9.4pp | 67.9%-0.8pp |
| Annual return | -23.38% | 3.53%-26.9pp | 35.95%-59.3pp | -7.85%-15.5pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $7,907 | $3,779+109.2% | $4,656+69.8% | $4,028+96.3% |
| Admin fee / account holder | $1,321 | $6,113-78.4% | $7,493-82.4% | $5,404-75.6% |