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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 | $7,079 | $64,705-89.1% | $62,929-88.8% | $67,986-89.6% |
| Participation rate | 47.3% | 65.6%-18.3pp | 73.1%-25.8pp | 57.2%-9.9pp |
| Annual return | 10.26% | 20.31%-10.1pp | 1063.93%-1053.7pp | 31.67%-21.4pp |
| Employer contribution / active EE | $0 | $2,376-100.0% | $2,505-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,784 | $3,198-44.2% | $3,888-54.1% | $3,358-46.9% |
| Admin fee / account holder | $486 | $1,428-66.0% | $5,065-90.4% | $3,203-84.8% |