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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 | $5,699 | $97,729-94.2% | $83,830-93.2% | $135,379-95.8% |
| Participation rate | 40.0% | 80.0%-40.0pp | 76.1%-36.1pp | 82.6%-42.6pp |
| Annual return | -9.96% | 1287.52%-1297.5pp | 850.97%-860.9pp | 519.79%-529.8pp |
| Employer contribution / active EE | $281 | $4,222-93.4% | $3,631-92.3% | $4,779-94.1% |
| Participant deferral / active EE | $1,443 | $4,683-69.2% | $4,082-64.7% | $5,609-74.3% |
| Admin fee / account holder | $400 | $6,674-94.0% | $5,479-92.7% | $10,828-96.3% |