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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 | $5,985 | $45,566-86.9% | $64,105-90.7% | $59,633-90.0% |
| Participation rate | 41.5% | 60.2%-18.7pp | 68.2%-26.7pp | 68.7%-27.2pp |
| Annual return | -5.74% | 4.95%-10.7pp | 791.24%-797.0pp | 2041.45%-2047.2pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,132 | $2,057-44.9% | $2,822-59.9% | $3,192-64.5% |
| Admin fee / account holder | $338 | $3,268-89.6% | $4,499-92.5% | $4,297-92.1% |