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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 | $7,198 | $165,381-95.6% | $149,730-95.2% | $158,966-95.5% |
| Participation rate | 62.5% | 84.6%-22.1pp | 82.5%-20.0pp | 82.0%-19.5pp |
| Annual return | -8.87% | 348.29%-357.2pp | 276.70%-285.6pp | 302.95%-311.8pp |
| Employer contribution / active EE | $523 | $5,104-89.8% | $4,645-88.7% | $4,762-89.0% |
| Participant deferral / active EE | $3,208 | $7,182-55.3% | $6,843-53.1% | $5,983-46.4% |
| Admin fee / account holder | $1,050 | $10,809-90.3% | $9,310-88.7% | $11,250-90.7% |