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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 | $12,717 | $75,832-83.2% | $147,617-91.4% | $59,633-78.7% |
| Participation rate | 48.6% | 71.6%-23.0pp | 84.6%-36.0pp | 68.7%-20.1pp |
| Annual return | -5.30% | 0.37%-5.7pp | 61.98%-67.3pp | 2041.45%-2046.8pp |
| Employer contribution / active EE | $201 | $3,485-94.2% | $5,564-96.4% | $2,203-90.9% |
| Participant deferral / active EE | $890 | $3,131-71.6% | $4,895-81.8% | $3,192-72.1% |
| Admin fee / account holder | $1,036 | $5,986-82.7% | $11,612-91.1% | $4,297-75.9% |