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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 | $17,772 | $135,639-86.9% | $110,241-83.9% | $135,382-86.9% |
| Participation rate | 47.1% | 83.5%-36.4pp | 79.8%-32.8pp | 82.6%-35.6pp |
| Annual return | -10.86% | 513.21%-524.1pp | 314.75%-325.6pp | 519.77%-530.6pp |
| Employer contribution / active EE | $500 | $4,907-89.8% | $3,827-86.9% | $4,779-89.5% |
| Participant deferral / active EE | $2,014 | $5,507-63.4% | $4,672-56.9% | $5,609-64.1% |
| Admin fee / account holder | $697 | $11,457-93.9% | $8,548-91.8% | $10,829-93.6% |