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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 | $5,581 | $73,863-92.4% | $143,797-96.1% | $68,490-91.9% |
| Participation rate | 33.3% | 66.7%-33.3pp | 80.3%-47.0pp | 67.9%-34.6pp |
| Annual return | -32.30% | 0.91%-33.2pp | -0.04%-32.3pp | -7.85%-24.4pp |
| Employer contribution / active EE | $121 | $3,185-96.2% | $4,952-97.6% | $2,597-95.3% |
| Participant deferral / active EE | $1,211 | $3,385-64.2% | $5,638-78.5% | $4,028-69.9% |
| Admin fee / account holder | $306 | $5,756-94.7% | $14,679-97.9% | $5,403-94.3% |