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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 | $14,004 | $91,525-84.7% | $130,026-89.2% | $75,181-81.4% |
| Participation rate | 36.5% | 71.4%-34.9pp | 78.5%-42.0pp | 67.2%-30.7pp |
| Annual return | 11.58% | -631.40%+643.0pp | -137.26%+148.8pp | 160.69%-149.1pp |
| Employer contribution / active EE | $627 | $2,844-78.0% | $4,321-85.5% | $2,671-76.5% |
| Participant deferral / active EE | $1,956 | $4,342-54.9% | $5,821-66.4% | $4,126-52.6% |
| Admin fee / account holder | $4,329 | $6,778-36.1% | $10,608-59.2% | $5,650-23.4% |