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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 | $12,176 | $162,136-92.5% | $152,301-92.0% | $154,746-92.1% |
| Participation rate | 57.1% | 84.1%-27.0pp | 82.4%-25.3pp | 80.7%-23.6pp |
| Annual return | -7.70% | 91.02%-98.7pp | 80.50%-88.2pp | 172.34%-180.0pp |
| Employer contribution / active EE | $131 | $4,890-97.3% | $4,624-97.2% | $4,379-97.0% |
| Participant deferral / active EE | $3,021 | $8,341-63.8% | $8,004-62.3% | $6,730-55.1% |
| Admin fee / account holder | $3,780 | $15,759-76.0% | $14,398-73.7% | $14,365-73.7% |