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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 | $10,688 | $83,427-87.2% | $115,756-90.8% | $68,486-84.4% |
| Participation rate | 45.5% | 71.9%-26.4pp | 77.1%-31.6pp | 67.9%-22.4pp |
| Annual return | -39.42% | -10.95%-28.5pp | 143.14%-182.6pp | -7.85%-31.6pp |
| Employer contribution / active EE | $238 | $3,075-92.3% | $3,793-93.7% | $2,597-90.8% |
| Participant deferral / active EE | $5,346 | $5,355-0.2% | $6,254-14.5% | $4,028+32.7% |
| Admin fee / account holder | $652 | $5,708-88.6% | $8,124-92.0% | $5,404-87.9% |