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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 | $14,505 | $180,462-92.0% | $154,111-90.6% | $135,379-89.3% |
| Participation rate | 37.5% | 87.4%-49.9pp | 83.0%-45.5pp | 82.6%-45.1pp |
| Annual return | -44.49% | 888.17%-932.7pp | 735.18%-779.7pp | 519.79%-564.3pp |
| Employer contribution / active EE | $991 | $6,036-83.6% | $5,298-81.3% | $4,779-79.3% |
| Participant deferral / active EE | $3,068 | $5,806-47.2% | $5,081-39.6% | $5,609-45.3% |
| Admin fee / account holder | $3,901 | $16,145-75.8% | $13,411-70.9% | $10,828-64.0% |