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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 | $6,079 | $167,362-96.4% | $143,799-95.8% | $134,532-95.5% |
| Participation rate | 55.6% | 84.8%-29.3pp | 80.3%-24.8pp | 81.2%-25.7pp |
| Annual return | -38.50% | 0.47%-39.0pp | -0.04%-38.5pp | 418.27%-456.8pp |
| Employer contribution / active EE | $683 | $5,620-87.8% | $4,952-86.2% | $4,741-85.6% |
| Participant deferral / active EE | $2,600 | $6,447-59.7% | $5,638-53.9% | $6,401-59.4% |
| Admin fee / account holder | $949 | $18,094-94.8% | $14,677-93.5% | $11,429-91.7% |