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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 | $14,142 | $148,623-90.5% | $135,974-89.6% | $139,466-89.9% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 10.22% | 79.30%-69.1pp | 68.30%-58.1pp | 373.66%-363.4pp |
| Employer contribution / active EE | $950 | $5,246-81.9% | $4,859-80.4% | $4,754-80.0% |
| Participant deferral / active EE | $3,350 | $8,103-58.7% | $7,760-56.8% | $6,712-50.1% |
| Admin fee / account holder | $362 | $12,406-97.1% | $10,767-96.6% | $11,409-96.8% |