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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 | $2,931 | $30,732-90.5% | $59,496-95.1% | $59,633-95.1% |
| Participation rate | 15.0% | 43.2%-28.2pp | 54.6%-39.6pp | 68.7%-53.7pp |
| Annual return | -44.07% | 4.47%-48.5pp | 182.05%-226.1pp | 2041.45%-2085.5pp |
| Employer contribution / active EE | $58 | $631-90.8% | $1,153-95.0% | $2,203-97.4% |
| Participant deferral / active EE | $325 | $1,183-72.6% | $1,829-82.2% | $3,192-89.8% |
| Admin fee / account holder | $1,024 | $2,136-52.1% | $2,232-54.1% | $4,297-76.2% |