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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 | $10,586 | $127,386-91.7% | $115,037-90.8% | $125,388-91.6% |
| Participation rate | 57.1% | 84.2%-27.0pp | 81.4%-24.2pp | 83.2%-26.0pp |
| Annual return | -9.05% | 31.28%-40.3pp | 26.14%-35.2pp | 282.24%-291.3pp |
| Employer contribution / active EE | $638 | $5,166-87.6% | $4,608-86.1% | $4,866-86.9% |
| Participant deferral / active EE | $2,501 | $6,423-61.1% | $6,026-58.5% | $5,352-53.3% |
| Admin fee / account holder | $647 | $9,516-93.2% | $8,175-92.1% | $9,541-93.2% |