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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 | $23,948 | $180,462-86.7% | $154,111-84.5% | $135,379-82.3% |
| Participation rate | 42.1% | 87.4%-45.3pp | 83.0%-40.9pp | 82.6%-40.5pp |
| Annual return | -8.93% | 888.17%-897.1pp | 735.18%-744.1pp | 519.79%-528.7pp |
| Employer contribution / active EE | $967 | $6,036-84.0% | $5,298-81.8% | $4,779-79.8% |
| Participant deferral / active EE | $3,367 | $5,806-42.0% | $5,081-33.7% | $5,609-40.0% |
| Admin fee / account holder | $1,886 | $16,145-88.3% | $13,411-85.9% | $10,828-82.6% |