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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 | $11,404 | $180,459-93.7% | $154,108-92.6% | $135,380-91.6% |
| Participation rate | 50.0% | 87.4%-37.4pp | 83.0%-33.0pp | 82.6%-32.6pp |
| Annual return | -17.22% | 888.21%-905.4pp | 735.21%-752.4pp | 519.81%-537.0pp |
| Employer contribution / active EE | $1,173 | $6,035-80.6% | $5,298-77.8% | $4,779-75.4% |
| Participant deferral / active EE | $2,583 | $5,806-55.5% | $5,081-49.2% | $5,609-53.9% |
| Admin fee / account holder | $1,456 | $16,145-91.0% | $13,411-89.1% | $10,828-86.6% |