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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 | $11,071 | $82,674-86.6% | $125,363-91.2% | $68,495-83.8% |
| Participation rate | 38.5% | 75.0%-36.6pp | 82.4%-43.9pp | 67.9%-29.4pp |
| Annual return | -20.77% | -5.97%-14.8pp | 572.15%-592.9pp | -7.84%-12.9pp |
| Employer contribution / active EE | $13 | $3,382-99.6% | $4,815-99.7% | $2,596-99.5% |
| Participant deferral / active EE | $4,222 | $6,111-30.9% | $7,447-43.3% | $4,028+4.8% |
| Admin fee / account holder | $2,073 | $6,276-67.0% | $10,005-79.3% | $5,403-61.6% |