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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 | $14,150 | $61,660-77.1% | $80,022-82.3% | $64,173-78.0% |
| Participation rate | 53.3% | 71.7%-18.4pp | 75.8%-22.5pp | 69.6%-16.2pp |
| Annual return | -9.03% | -0.33%-8.7pp | 11.22%-20.2pp | 7.63%-16.7pp |
| Employer contribution / active EE | $160 | $1,810-91.2% | $2,468-93.5% | $2,381-93.3% |
| Participant deferral / active EE | $1,596 | $2,968-46.2% | $3,686-56.7% | $3,470-54.0% |
| Admin fee / account holder | $794 | $5,417-85.3% | $6,521-87.8% | $4,887-83.8% |