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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 | $5,618 | $31,679-82.3% | $74,723-92.5% | $65,186-91.4% |
| Participation rate | 27.7% | 40.4%-12.7pp | 54.5%-26.8pp | 70.2%-42.5pp |
| Annual return | 10.00% | 39.04%-29.0pp | 753.18%-743.2pp | 29.39%-19.4pp |
| Employer contribution / active EE | $0 | $566-100.0% | $1,084-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $692 | $1,191-41.9% | $1,962-64.7% | $3,514-80.3% |
| Admin fee / account holder | $673 | $379+77.6% | $3,335-79.8% | $847-20.6% |