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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 | $10,035 | $53,596-81.3% | $90,657-88.9% | $64,173-84.4% |
| Participation rate | 46.2% | 64.5%-18.4pp | 74.0%-27.9pp | 69.6%-23.4pp |
| Annual return | -9.19% | 4.41%-13.6pp | 1.89%-11.1pp | 7.63%-16.8pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,532-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,723 | $2,459-29.9% | $3,424-49.7% | $3,470-50.3% |
| Admin fee / account holder | $1,884 | $3,868-51.3% | $4,994-62.3% | $4,887-61.5% |