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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 | $2,031 | $73,848-97.3% | $143,799-98.6% | $68,486-97.0% |
| Participation rate | 60.0% | 66.7%-6.7pp | 80.3%-20.3pp | 67.9%-7.9pp |
| Annual return | -107.83% | 0.91%-108.7pp | -0.04%-107.8pp | -7.85%-100.0pp |
| Employer contribution / active EE | $283 | $3,184-91.1% | $4,952-94.3% | $2,597-89.1% |
| Participant deferral / active EE | $1,600 | $3,385-52.7% | $5,638-71.6% | $4,028-60.3% |
| Admin fee / account holder | $639 | $5,755-88.9% | $14,677-95.6% | $5,404-88.2% |