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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 | $2,533 | $96,419-97.4% | $80,648-96.9% | $139,487-98.2% |
| Participation rate | 68.4% | 73.6%-5.2pp | 67.0%+1.4pp | 80.3%-11.9pp |
| Annual return | -25.05% | 1352.86%-1377.9pp | 937.21%-962.3pp | 373.84%-398.9pp |
| Employer contribution / active EE | $373 | $3,261-88.6% | $2,724-86.3% | $4,755-92.2% |
| Participant deferral / active EE | $1,309 | $5,225-75.0% | $4,443-70.6% | $6,713-80.5% |
| Admin fee / account holder | $526 | $6,605-92.0% | $5,382-90.2% | $11,407-95.4% |