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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 | $11,312 | $78,694-85.6% | $67,652-83.3% | $125,389-91.0% |
| Participation rate | 38.9% | 78.8%-39.9pp | 75.7%-36.8pp | 83.2%-44.3pp |
| Annual return | -6.33% | 9.46%-15.8pp | 6625.40%-6631.7pp | 282.24%-288.6pp |
| Employer contribution / active EE | $194 | $3,044-93.6% | $2,266-91.5% | $4,866-96.0% |
| Participant deferral / active EE | $1,398 | $4,292-67.4% | $3,560-60.7% | $5,352-73.9% |
| Admin fee / account holder | $337 | $7,403-95.4% | $4,821-93.0% | $9,541-96.5% |