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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 | $4,138 | $59,834-93.1% | $79,576-94.8% | $68,495-94.0% |
| Participation rate | 62.0% | 61.1%+0.9pp | 69.5%-7.5pp | 67.9%-5.9pp |
| Annual return | -25.49% | -12.30%-13.2pp | 0.15%-25.6pp | -7.84%-17.6pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,960 | $3,024-2.1% | $3,985-25.7% | $4,028-26.5% |
| Admin fee / account holder | $800 | $4,835-83.5% | $6,834-88.3% | $5,403-85.2% |