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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 | $21,204 | $168,635-87.4% | $147,617-85.6% | $125,389-83.1% |
| Participation rate | 66.7% | 88.8%-22.1pp | 84.6%-18.0pp | 83.2%-16.5pp |
| Annual return | -6.97% | 77.65%-84.6pp | 61.98%-68.9pp | 282.24%-289.2pp |
| Employer contribution / active EE | $588 | $6,252-90.6% | $5,564-89.4% | $4,866-87.9% |
| Participant deferral / active EE | $4,825 | $5,507-12.4% | $4,895-1.4% | $5,352-9.8% |
| Admin fee / account holder | $1,265 | $13,580-90.7% | $11,612-89.1% | $9,541-86.7% |