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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 | $9,779 | $65,125-85.0% | $143,797-93.2% | $66,949-85.4% |
| Participation rate | 21.6% | 65.2%-43.6pp | 80.3%-58.7pp | 69.8%-48.2pp |
| Annual return | -21.08% | -11.13%-10.0pp | -0.04%-21.0pp | 1.57%-22.6pp |
| Employer contribution / active EE | $372 | $2,362-84.2% | $4,952-92.5% | $2,545-85.4% |
| Participant deferral / active EE | $1,141 | $2,920-60.9% | $5,638-79.8% | $4,239-73.1% |
| Admin fee / account holder | $1,301 | $503+158.7% | $14,679-91.1% | $594+119.1% |