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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 | $17,963 | $180,466-90.0% | $154,114-88.3% | $135,382-86.7% |
| Participation rate | 43.5% | 87.4%-43.9pp | 83.0%-39.6pp | 82.6%-39.2pp |
| Annual return | -11.23% | 888.15%-899.4pp | 735.16%-746.4pp | 519.77%-531.0pp |
| Employer contribution / active EE | $966 | $6,035-84.0% | $5,298-81.8% | $4,779-79.8% |
| Participant deferral / active EE | $2,593 | $5,806-55.3% | $5,081-49.0% | $5,609-53.8% |
| Admin fee / account holder | $497 | $16,144-96.9% | $13,411-96.3% | $10,829-95.4% |