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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 | $6,769 | $75,962-91.1% | $154,111-95.6% | $64,173-89.5% |
| Participation rate | 55.1% | 70.4%-15.3pp | 83.0%-27.9pp | 69.6%-14.5pp |
| Annual return | -11.45% | 30.32%-41.8pp | 735.18%-746.6pp | 7.63%-19.1pp |
| Employer contribution / active EE | $255 | $3,350-92.4% | $5,298-95.2% | $2,381-89.3% |
| Participant deferral / active EE | $1,524 | $3,175-52.0% | $5,081-70.0% | $3,470-56.1% |
| Admin fee / account holder | $1,424 | $5,589-74.5% | $13,411-89.4% | $4,887-70.9% |