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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 | $16,603 | $138,076-88.0% | $123,553-86.6% | $135,380-87.7% |
| Participation rate | 21.4% | 84.7%-63.3pp | 82.3%-60.9pp | 82.6%-61.2pp |
| Annual return | -16.23% | 153.70%-169.9pp | 119.21%-135.4pp | 519.81%-536.0pp |
| Employer contribution / active EE | $623 | $5,152-87.9% | $4,628-86.5% | $4,779-87.0% |
| Participant deferral / active EE | $3,357 | $6,800-50.6% | $6,426-47.8% | $5,609-40.1% |
| Admin fee / account holder | $3,851 | $10,917-64.7% | $9,284-58.5% | $10,828-64.4% |