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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 | $2,417 | $93,098-97.4% | $77,081-96.9% | $134,509-98.2% |
| Participation rate | 61.1% | 74.5%-13.4pp | 67.9%-6.8pp | 81.2%-20.1pp |
| Annual return | -52.41% | 62.63%-115.0pp | 42.33%-94.7pp | 418.13%-470.5pp |
| Employer contribution / active EE | $227 | $3,419-93.4% | $2,813-91.9% | $4,741-95.2% |
| Participant deferral / active EE | $1,421 | $5,239-72.9% | $4,428-67.9% | $6,400-77.8% |
| Admin fee / account holder | $486 | $6,945-93.0% | $5,427-91.0% | $11,427-95.7% |