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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 | $15,330 | $167,353-90.8% | $143,797-89.3% | $134,545-88.6% |
| Participation rate | 28.6% | 84.8%-56.2pp | 80.3%-51.7pp | 81.2%-52.7pp |
| Annual return | -22.11% | 0.48%-22.6pp | -0.04%-22.1pp | 418.37%-440.5pp |
| Employer contribution / active EE | $575 | $5,620-89.8% | $4,952-88.4% | $4,742-87.9% |
| Participant deferral / active EE | $2,763 | $6,447-57.1% | $5,638-51.0% | $6,401-56.8% |
| Admin fee / account holder | $1,205 | $18,096-93.3% | $14,679-91.8% | $11,431-89.5% |