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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 | $20,870 | $157,304-86.7% | $141,197-85.2% | $152,909-86.4% |
| Participation rate | 60.0% | 84.8%-24.8pp | 82.5%-22.5pp | 82.5%-22.5pp |
| Annual return | -3.47% | 64.34%-67.8pp | 71.41%-74.9pp | 345.46%-348.9pp |
| Employer contribution / active EE | $821 | $5,263-84.4% | $4,736-82.7% | $4,764-82.8% |
| Participant deferral / active EE | $6,574 | $7,111-7.6% | $6,710-2.0% | $5,851+12.3% |
| Admin fee / account holder | $3,183 | $12,126-73.8% | $10,265-69.0% | $11,601-72.6% |