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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 | $20,789 | $110,083-81.1% | $151,645-86.3% | $68,490-69.6% |
| Participation rate | 69.9% | 84.0%-14.1pp | 87.5%-17.6pp | 67.9%+2.0pp |
| Annual return | -23.60% | -10.12%-13.5pp | 3.34%-26.9pp | -7.85%-15.7pp |
| Employer contribution / active EE | $1,356 | $4,470-69.7% | $6,165-78.0% | $2,597-47.8% |
| Participant deferral / active EE | $4,464 | $6,526-31.6% | $8,363-46.6% | $4,028+10.8% |
| Admin fee / account holder | $776 | $7,718-89.9% | $11,614-93.3% | $5,403-85.6% |