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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 | $11,743 | $168,635-93.0% | $147,617-92.0% | $125,389-90.6% |
| Participation rate | 57.1% | 88.8%-31.6pp | 84.6%-27.5pp | 83.2%-26.0pp |
| Annual return | -31.11% | 77.65%-108.8pp | 61.98%-93.1pp | 282.24%-313.4pp |
| Employer contribution / active EE | $695 | $6,252-88.9% | $5,564-87.5% | $4,866-85.7% |
| Participant deferral / active EE | $3,845 | $5,507-30.2% | $4,895-21.5% | $5,352-28.2% |
| Admin fee / account holder | $2,566 | $13,580-81.1% | $11,612-77.9% | $9,541-73.1% |