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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 | $14,836 | $82,028-81.9% | $123,105-87.9% | $59,633-75.1% |
| Participation rate | 44.1% | 83.2%-39.1pp | 86.8%-42.7pp | 68.7%-24.6pp |
| Annual return | -2.98% | 5.12%-8.1pp | 13.22%-16.2pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $212 | $3,297-93.6% | $5,151-95.9% | $2,203-90.4% |
| Participant deferral / active EE | $2,201 | $4,667-52.8% | $6,229-64.7% | $3,192-31.0% |
| Admin fee / account holder | $3,837 | $5,879-34.7% | $9,014-57.4% | $4,297-10.7% |