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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 | $13,609 | $167,352-91.9% | $143,788-90.5% | $134,509-89.9% |
| Participation rate | 54.5% | 84.8%-30.3pp | 80.3%-25.8pp | 81.2%-26.7pp |
| Annual return | -23.20% | 0.47%-23.7pp | -0.03%-23.2pp | 418.13%-441.3pp |
| Employer contribution / active EE | $820 | $5,620-85.4% | $4,952-83.4% | $4,741-82.7% |
| Participant deferral / active EE | $4,756 | $6,447-26.2% | $5,638-15.6% | $6,400-25.7% |
| Admin fee / account holder | $814 | $18,091-95.5% | $14,675-94.5% | $11,427-92.9% |