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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 | $8,031 | $154,209-94.8% | $130,062-93.8% | $139,487-94.2% |
| Participation rate | 35.3% | 82.0%-46.7pp | 78.5%-43.2pp | 80.3%-45.0pp |
| Annual return | -10.79% | 32.52%-43.3pp | -137.37%+126.6pp | 373.84%-384.6pp |
| Employer contribution / active EE | $413 | $5,292-92.2% | $4,322-90.5% | $4,755-91.3% |
| Participant deferral / active EE | $2,349 | $6,709-65.0% | $5,821-59.6% | $6,713-65.0% |
| Admin fee / account holder | $2,879 | $13,988-79.4% | $10,601-72.8% | $11,407-74.8% |