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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 | $13,580 | $167,353-91.9% | $143,797-90.6% | $134,545-89.9% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -21.88% | 0.48%-22.4pp | -0.04%-21.8pp | 418.37%-440.2pp |
| Employer contribution / active EE | $907 | $5,620-83.9% | $4,952-81.7% | $4,742-80.9% |
| Participant deferral / active EE | $6,024 | $6,447-6.6% | $5,638+6.8% | $6,401-5.9% |
| Admin fee / account holder | $738 | $18,096-95.9% | $14,679-95.0% | $11,431-93.5% |