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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 | $10,248 | $138,102-92.6% | $125,381-91.8% | $134,532-92.4% |
| Participation rate | 42.1% | 84.5%-42.4pp | 82.4%-40.3pp | 81.2%-39.1pp |
| Annual return | -21.94% | 750.73%-772.7pp | 572.31%-594.3pp | 418.27%-440.2pp |
| Employer contribution / active EE | $787 | $5,245-85.0% | $4,815-83.7% | $4,741-83.4% |
| Participant deferral / active EE | $2,646 | $7,801-66.1% | $7,448-64.5% | $6,401-58.7% |
| Admin fee / account holder | $395 | $11,568-96.6% | $10,007-96.1% | $11,429-96.5% |