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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 | $14,442 | $59,107-75.6% | $86,439-83.3% | $68,495-78.9% |
| Participation rate | 37.9% | 75.2%-37.3pp | 80.3%-42.4pp | 67.9%-30.0pp |
| Annual return | -24.20% | -0.23%-24.0pp | 4395.55%-4419.7pp | -7.84%-16.4pp |
| Employer contribution / active EE | $3 | $2,519-99.9% | $3,769-99.9% | $2,596-99.9% |
| Participant deferral / active EE | $3,019 | $5,901-48.8% | $6,952-56.6% | $4,028-25.0% |
| Admin fee / account holder | $717 | $5,637-87.3% | $6,732-89.3% | $5,403-86.7% |