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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 | $7,497 | $135,639-94.5% | $110,241-93.2% | $135,382-94.5% |
| Participation rate | 60.0% | 83.5%-23.5pp | 79.8%-19.8pp | 82.6%-22.6pp |
| Annual return | -27.57% | 513.21%-540.8pp | 314.75%-342.3pp | 519.77%-547.3pp |
| Employer contribution / active EE | $694 | $4,907-85.9% | $3,827-81.9% | $4,779-85.5% |
| Participant deferral / active EE | $2,487 | $5,507-54.8% | $4,672-46.8% | $5,609-55.7% |
| Admin fee / account holder | $862 | $11,457-92.5% | $8,548-89.9% | $10,829-92.0% |