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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 | $23,217 | $72,404-67.9% | $110,243-78.9% | $64,173-63.8% |
| Participation rate | 30.6% | 73.3%-42.7pp | 79.8%-49.2pp | 69.6%-39.0pp |
| Annual return | -8.09% | -6.29%-1.8pp | 314.76%-322.8pp | 7.63%-15.7pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,099 | $3,469-39.5% | $4,672-55.1% | $3,470-39.5% |
| Admin fee / account holder | $8,077 | $5,664+42.6% | $8,548-5.5% | $4,887+65.3% |