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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 | $6,252 | $75,962-91.8% | $154,111-95.9% | $64,173-90.3% |
| Participation rate | 34.4% | 70.4%-36.0pp | 83.0%-48.7pp | 69.6%-35.2pp |
| Annual return | -9.20% | 30.32%-39.5pp | 735.18%-744.4pp | 7.63%-16.8pp |
| Employer contribution / active EE | $155 | $3,350-95.4% | $5,298-97.1% | $2,381-93.5% |
| Participant deferral / active EE | $948 | $3,175-70.1% | $5,081-81.3% | $3,470-72.7% |
| Admin fee / account holder | $597 | $5,589-89.3% | $13,411-95.5% | $4,887-87.8% |