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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 | $28,909 | $160,059-81.9% | $140,019-79.4% | $135,380-78.6% |
| Participation rate | 55.6% | 88.5%-33.0pp | 87.5%-31.9pp | 82.6%-27.1pp |
| Annual return | -10.04% | 911.48%-921.5pp | 651.17%-661.2pp | 519.81%-529.8pp |
| Employer contribution / active EE | $1,304 | $6,420-79.7% | $5,605-76.7% | $4,779-72.7% |
| Participant deferral / active EE | $5,422 | $7,641-29.0% | $6,927-21.7% | $5,609-3.3% |
| Admin fee / account holder | $4,664 | $13,328-65.0% | $10,705-56.4% | $10,828-56.9% |