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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 | $8,543 | $167,362-94.9% | $143,799-94.1% | $134,532-93.6% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -47.66% | 0.47%-48.1pp | -0.04%-47.6pp | 418.27%-465.9pp |
| Employer contribution / active EE | $803 | $5,620-85.7% | $4,952-83.8% | $4,741-83.1% |
| Participant deferral / active EE | $3,005 | $6,447-53.4% | $5,638-46.7% | $6,401-53.1% |
| Admin fee / account holder | $315 | $18,094-98.3% | $14,677-97.9% | $11,429-97.2% |