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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 | $4,756 | $96,508-95.1% | $75,901-93.7% | $152,897-96.9% |
| Participation rate | 26.1% | 76.2%-50.1pp | 69.3%-43.2pp | 82.5%-56.4pp |
| Annual return | -9.98% | 33.99%-44.0pp | 30.76%-40.7pp | 345.43%-355.4pp |
| Employer contribution / active EE | $264 | $3,310-92.0% | $2,501-89.4% | $4,764-94.5% |
| Participant deferral / active EE | $1,557 | $4,554-65.8% | $3,603-56.8% | $5,851-73.4% |
| Admin fee / account holder | $1,411 | $8,081-82.5% | $5,420-74.0% | $11,599-87.8% |