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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 | $28,206 | $181,896-84.5% | $156,551-82.0% | $273,972-89.7% |
| Participation rate | 66.7% | 88.4%-21.7pp | 84.0%-17.3pp | 83.0%-16.3pp |
| Annual return | -1.64% | 30.74%-32.4pp | 32.23%-33.9pp | 41.46%-43.1pp |
| Employer contribution / active EE | $367 | $6,248-94.1% | $5,501-93.3% | $4,869-92.5% |
| Participant deferral / active EE | $6,233 | $5,550+12.3% | $4,871+28.0% | $5,287+17.9% |
| Admin fee / account holder | $100,085 | $15,560+543.2% | $13,028+668.2% | $10,133+887.7% |