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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 | $96,338-97.4% | $80,589-96.9% | $139,427-98.2% |
| Participation rate | 68.4% | 73.6%-5.2pp | 67.0%+1.4pp | 80.3%-11.9pp |
| Annual return | -25.05% | 1350.43%-1375.5pp | 935.83%-960.9pp | 373.27%-398.3pp |
| Employer contribution / active EE | $373 | $3,263-88.6% | $2,724-86.3% | $4,752-92.1% |
| Participant deferral / active EE | $1,309 | $5,234-75.0% | $4,449-70.6% | $6,711-80.5% |
| Admin fee / account holder | $526 | $6,600-92.0% | $5,379-90.2% | $11,404-95.4% |