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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 | $16,321 | $82,678-80.3% | $125,391-87.0% | $68,490-76.2% |
| Participation rate | 54.2% | 75.1%-20.8pp | 82.4%-28.1pp | 67.9%-13.7pp |
| Annual return | -21.42% | -5.97%-15.5pp | 572.41%-593.8pp | -7.85%-13.6pp |
| Employer contribution / active EE | $693 | $3,382-79.5% | $4,816-85.6% | $2,597-73.3% |
| Participant deferral / active EE | $3,944 | $6,111-35.5% | $7,448-47.0% | $4,028-2.1% |
| Admin fee / account holder | $1,751 | $6,277-72.1% | $10,009-82.5% | $5,403-67.6% |