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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 | $6,037 | $91,198-93.4% | $178,503-96.6% | $79,856-92.4% |
| Participation rate | 56.3% | 69.2%-13.0pp | 81.9%-25.7pp | 69.6%-13.4pp |
| Annual return | 2.21% | 24.20%-22.0pp | 151.12%-148.9pp | 31.71%-29.5pp |
| Employer contribution / active EE | $186 | $3,257-94.3% | $5,011-96.3% | $2,471-92.5% |
| Participant deferral / active EE | $1,219 | $3,237-62.3% | $5,202-76.6% | $3,741-67.4% |
| Admin fee / account holder | $606 | $6,748-91.0% | $13,987-95.7% | $5,306-88.6% |