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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 | $2,878 | $41,150-93.0% | $80,607-96.4% | $71,495-96.0% |
| Participation rate | 54.6% | 50.3%+4.3pp | 67.0%-12.4pp | 67.9%-13.3pp |
| Annual return | 12.29% | 38.48%-26.2pp | 936.11%-923.8pp | 28.85%-16.6pp |
| Employer contribution / active EE | $197 | $1,515-87.0% | $2,724-92.8% | $2,589-92.4% |
| Participant deferral / active EE | $1,147 | $2,701-57.5% | $4,448-74.2% | $4,291-73.3% |
| Admin fee / account holder | $313 | $1,841-83.0% | $5,379-94.2% | $1,588-80.3% |