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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 | $2,698 | $76,407-96.5% | $150,298-98.2% | $82,448-96.7% |
| Participation rate | 46.7% | 66.4%-19.7pp | 77.8%-31.1pp | 68.1%-21.4pp |
| Annual return | -61.56% | 39.99%-101.6pp | 62.79%-124.3pp | 41.64%-103.2pp |
| Employer contribution / active EE | $56 | $2,614-97.9% | $4,154-98.7% | $2,551-97.8% |
| Participant deferral / active EE | $835 | $3,214-74.0% | $5,453-84.7% | $4,139-79.8% |
| Admin fee / account holder | $1,787 | $6,352-71.9% | $14,116-87.3% | $7,234-75.3% |