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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 | $10,290 | $75,962-86.5% | $154,111-93.3% | $64,173-84.0% |
| Participation rate | 55.6% | 70.4%-14.9pp | 83.0%-27.5pp | 69.6%-14.0pp |
| Annual return | -8.97% | 30.32%-39.3pp | 735.18%-744.2pp | 7.63%-16.6pp |
| Employer contribution / active EE | $287 | $3,350-91.4% | $5,298-94.6% | $2,381-87.9% |
| Participant deferral / active EE | $1,748 | $3,175-44.9% | $5,081-65.6% | $3,470-49.6% |
| Admin fee / account holder | $929 | $5,589-83.4% | $13,411-93.1% | $4,887-81.0% |