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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 | $9,565 | $55,446-82.7% | $155,574-93.9% | $74,429-87.1% |
| Participation rate | 25.5% | 61.9%-36.5pp | 78.2%-52.8pp | 67.2%-41.8pp |
| Annual return | 7.46% | 269.20%-261.7pp | 64.87%-57.4pp | 1368.38%-1360.9pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,676-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $1,492 | $2,836-47.4% | $5,629-73.5% | $4,348-65.7% |
| Admin fee / account holder | $1,437 | $1,743-17.5% | $15,914-91.0% | $1,944-26.1% |