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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 | $9,462 | $75,832-87.5% | $147,617-93.6% | $59,633-84.1% |
| Participation rate | 25.0% | 71.6%-46.6pp | 84.6%-59.6pp | 68.7%-43.7pp |
| Annual return | -5.13% | 0.37%-5.5pp | 61.98%-67.1pp | 2041.45%-2046.6pp |
| Employer contribution / active EE | $16 | $3,485-99.5% | $5,564-99.7% | $2,203-99.3% |
| Participant deferral / active EE | $1,137 | $3,131-63.7% | $4,895-76.8% | $3,192-64.4% |
| Admin fee / account holder | $1,039 | $5,986-82.6% | $11,612-91.0% | $4,297-75.8% |