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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 | $24,022 | $180,466-86.7% | $154,114-84.4% | $135,382-82.3% |
| Participation rate | 64.3% | 87.4%-23.1pp | 83.0%-18.8pp | 82.6%-18.4pp |
| Annual return | -9.98% | 888.15%-898.1pp | 735.16%-745.1pp | 519.77%-529.8pp |
| Employer contribution / active EE | $726 | $6,035-88.0% | $5,298-86.3% | $4,779-84.8% |
| Participant deferral / active EE | $4,863 | $5,806-16.2% | $5,081-4.3% | $5,609-13.3% |
| Admin fee / account holder | $429 | $16,144-97.3% | $13,411-96.8% | $10,829-96.0% |