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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 | $15,932 | $127,386-87.5% | $115,037-86.2% | $125,388-87.3% |
| Participation rate | 66.7% | 84.2%-17.5pp | 81.4%-14.7pp | 83.2%-16.5pp |
| Annual return | -9.77% | 31.28%-41.0pp | 26.14%-35.9pp | 282.24%-292.0pp |
| Employer contribution / active EE | $638 | $5,166-87.7% | $4,608-86.2% | $4,866-86.9% |
| Participant deferral / active EE | $7,393 | $6,423+15.1% | $6,026+22.7% | $5,352+38.1% |
| Admin fee / account holder | $3,967 | $9,516-58.3% | $8,175-51.5% | $9,541-58.4% |