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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 | $10,924 | $60,504-81.9% | $81,882-86.7% | $74,478-85.3% |
| Participation rate | 50.4% | 62.9%-12.5pp | 72.4%-22.0pp | 67.2%-16.8pp |
| Annual return | 8.22% | 16.91%-8.7pp | 779.47%-771.3pp | 1370.56%-1362.3pp |
| Employer contribution / active EE | $330 | $2,627-87.4% | $2,916-88.7% | $2,626-87.4% |
| Participant deferral / active EE | $935 | $3,400-72.5% | $4,323-78.4% | $4,350-78.5% |
| Admin fee / account holder | $504 | $1,492-66.2% | $7,360-93.2% | $1,946-74.1% |