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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 | $7,127 | $59,819-88.1% | $79,583-91.0% | $68,490-89.6% |
| Participation rate | 52.5% | 61.1%-8.5pp | 69.5%-17.0pp | 67.9%-15.4pp |
| Annual return | -22.78% | -12.30%-10.5pp | 0.16%-22.9pp | -7.85%-14.9pp |
| Employer contribution / active EE | $245 | $1,505-83.7% | $2,414-89.8% | $2,597-90.6% |
| Participant deferral / active EE | $1,517 | $3,025-49.8% | $3,986-61.9% | $4,028-62.3% |
| Admin fee / account holder | $1,345 | $4,835-72.2% | $6,835-80.3% | $5,403-75.1% |