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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 | $5,134 | $88,360-94.2% | $145,433-96.5% | $67,986-92.4% |
| Participation rate | 66.7% | 65.5%+1.2pp | 82.1%-15.5pp | 57.2%+9.5pp |
| Annual return | 10.79% | 63.15%-52.4pp | 66.58%-55.8pp | 31.67%-20.9pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,470 | $5,932-58.4% | $7,897-68.7% | $3,358-26.5% |
| Admin fee / account holder | $405 | $3,313-87.8% | $13,129-96.9% | $3,203-87.4% |