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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 | $11,131 | $71,878-84.5% | $86,698-87.2% | $68,486-83.7% |
| Participation rate | 26.3% | 72.2%-45.9pp | 76.6%-50.3pp | 67.9%-41.6pp |
| Annual return | -22.76% | 3.53%-26.3pp | 35.95%-58.7pp | -7.85%-14.9pp |
| Employer contribution / active EE | $440 | $2,173-79.7% | $2,837-84.5% | $2,597-83.0% |
| Participant deferral / active EE | $1,760 | $3,779-53.4% | $4,656-62.2% | $4,028-56.3% |
| Admin fee / account holder | $975 | $6,113-84.1% | $7,493-87.0% | $5,404-82.0% |