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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 | $3,986 | $54,355-92.7% | $82,744-95.2% | $68,486-94.2% |
| Participation rate | 36.7% | 63.9%-27.2pp | 72.6%-35.8pp | 67.9%-31.2pp |
| Annual return | -20.69% | -13.67%-7.0pp | 702.22%-722.9pp | -7.85%-12.8pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,008-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $954 | $3,246-70.6% | $4,395-78.3% | $4,028-76.3% |
| Admin fee / account holder | $717 | $4,397-83.7% | $5,325-86.5% | $5,404-86.7% |