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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 | $15,005 | $72,404-79.3% | $110,243-86.4% | $64,173-76.6% |
| Participation rate | 69.5% | 73.3%-3.8pp | 79.8%-10.3pp | 69.6%-0.1pp |
| Annual return | -9.42% | -6.29%-3.1pp | 314.76%-324.2pp | 7.63%-17.1pp |
| Employer contribution / active EE | $301 | $2,282-86.8% | $3,827-92.1% | $2,381-87.3% |
| Participant deferral / active EE | $1,853 | $3,469-46.6% | $4,672-60.3% | $3,470-46.6% |
| Admin fee / account holder | $1,953 | $5,664-65.5% | $8,548-77.2% | $4,887-60.0% |