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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 | $7,049 | $37,463-81.2% | $77,096-90.9% | $66,938-89.5% |
| Participation rate | 25.9% | 52.9%-27.1pp | 67.9%-42.1pp | 69.8%-44.0pp |
| Annual return | -25.01% | -3.25%-21.8pp | 42.35%-67.4pp | 1.58%-26.6pp |
| Employer contribution / active EE | $286 | $1,535-81.4% | $2,814-89.8% | $2,545-88.8% |
| Participant deferral / active EE | $1,245 | $2,621-52.5% | $4,429-71.9% | $4,238-70.6% |
| Admin fee / account holder | $672 | $568+18.4% | $5,428-87.6% | $594+13.3% |