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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 | $12,059 | $55,449-78.3% | $83,830-85.6% | $56,287-78.6% |
| Participation rate | 19.0% | 68.0%-49.0pp | 76.1%-57.1pp | 69.9%-50.9pp |
| Annual return | -27.77% | -1.38%-26.4pp | 850.97%-878.7pp | -9.96%-17.8pp |
| Employer contribution / active EE | $132 | $2,430-94.6% | $3,631-96.4% | $2,111-93.7% |
| Participant deferral / active EE | $1,338 | $2,935-54.4% | $4,082-67.2% | $3,350-60.1% |
| Admin fee / account holder | $1,179 | $656+79.7% | $5,479-78.5% | $521+126.3% |