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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 | $8,420 | $53,128-84.2% | $86,581-90.3% | $70,124-88.0% |
| Participation rate | 55.1% | 65.3%-10.2pp | 73.5%-18.4pp | 69.5%-14.4pp |
| Annual return | 9.82% | 27.66%-17.8pp | 965.06%-955.2pp | 73.14%-63.3pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $2,840-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $783 | $2,695-70.9% | $3,609-78.3% | $3,332-76.5% |
| Admin fee / account holder | $1,086 | $3,584-69.7% | $4,904-77.9% | $4,645-76.6% |