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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 | $10,818 | $75,962-85.8% | $154,111-93.0% | $64,173-83.1% |
| Participation rate | 41.0% | 70.4%-29.4pp | 83.0%-42.0pp | 69.6%-28.5pp |
| Annual return | -18.36% | 30.32%-48.7pp | 735.18%-753.5pp | 7.63%-26.0pp |
| Employer contribution / active EE | $335 | $3,350-90.0% | $5,298-93.7% | $2,381-85.9% |
| Participant deferral / active EE | $1,368 | $3,175-56.9% | $5,081-73.1% | $3,470-60.6% |
| Admin fee / account holder | $663 | $5,589-88.1% | $13,411-95.1% | $4,887-86.4% |