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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 | $11,901 | $73,019-83.7% | $90,766-86.9% | $68,490-82.6% |
| Participation rate | 48.4% | 70.8%-22.4pp | 75.7%-27.3pp | 67.9%-19.5pp |
| Annual return | -23.42% | -13.81%-9.6pp | -12.16%-11.3pp | -7.85%-15.6pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $2,922-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,696 | $3,626-53.2% | $4,565-62.8% | $4,028-57.9% |
| Admin fee / account holder | $1,039 | $5,897-82.4% | $8,446-87.7% | $5,403-80.8% |