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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 | $9,603 | $59,834-84.0% | $79,576-87.9% | $68,495-86.0% |
| Participation rate | 41.5% | 61.1%-19.6pp | 69.5%-28.0pp | 67.9%-26.4pp |
| Annual return | -23.04% | -12.30%-10.7pp | 0.15%-23.2pp | -7.84%-15.2pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,414 | $3,024-20.2% | $3,985-39.4% | $4,028-40.1% |
| Admin fee / account holder | $653 | $4,835-86.5% | $6,834-90.4% | $5,403-87.9% |