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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 | $16,242 | $72,404-77.6% | $110,243-85.3% | $64,173-74.7% |
| Participation rate | 41.2% | 73.3%-32.2pp | 79.8%-38.6pp | 69.6%-28.4pp |
| Annual return | -8.37% | -6.29%-2.1pp | 314.76%-323.1pp | 7.63%-16.0pp |
| Employer contribution / active EE | $233 | $2,282-89.8% | $3,827-93.9% | $2,381-90.2% |
| Participant deferral / active EE | $2,405 | $3,469-30.7% | $4,672-48.5% | $3,470-30.7% |
| Admin fee / account holder | $581 | $5,664-89.7% | $8,548-93.2% | $4,887-88.1% |