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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 | $11,330 | $167,352-93.2% | $143,788-92.1% | $134,509-91.6% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -29.95% | 0.47%-30.4pp | -0.03%-29.9pp | 418.13%-448.1pp |
| Employer contribution / active EE | $1,116 | $5,620-80.1% | $4,952-77.5% | $4,741-76.5% |
| Participant deferral / active EE | $3,916 | $6,447-39.3% | $5,638-30.5% | $6,400-38.8% |
| Admin fee / account holder | $1,268 | $18,091-93.0% | $14,675-91.4% | $11,427-88.9% |