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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 | $22,234 | $198,457-88.8% | $170,435-87.0% | $147,586-84.9% |
| Participation rate | 40.0% | 88.0%-48.0pp | 83.6%-43.6pp | 82.8%-42.8pp |
| Annual return | -53.80% | 257.30%-311.1pp | 205.94%-259.7pp | 578.59%-632.4pp |
| Employer contribution / active EE | $823 | $6,183-86.7% | $5,432-84.8% | $4,876-83.1% |
| Participant deferral / active EE | $6,609 | $5,629+17.4% | $4,939+33.8% | $5,439+21.5% |
| Admin fee / account holder | $6,814 | $16,852-59.6% | $13,881-50.9% | $10,886-37.4% |