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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 | $4,936 | $92,766-94.7% | $82,763-94.0% | $134,545-96.3% |
| Participation rate | 18.8% | 75.2%-56.5pp | 72.6%-53.8pp | 81.2%-62.5pp |
| Annual return | -34.66% | 946.97%-981.6pp | 702.45%-737.1pp | 418.37%-453.0pp |
| Employer contribution / active EE | $59 | $3,273-98.2% | $3,008-98.1% | $4,742-98.8% |
| Participant deferral / active EE | $1,006 | $4,802-79.1% | $4,395-77.1% | $6,401-84.3% |
| Admin fee / account holder | $2,702 | $5,978-54.8% | $5,325-49.3% | $11,431-76.4% |