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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 | $4,566 | $48,327-90.6% | $67,575-93.2% | $80,935-94.4% |
| Participation rate | 25.6% | 66.4%-40.8pp | 72.9%-47.3pp | 67.7%-42.1pp |
| Annual return | 10.44% | 18.31%-7.9pp | 3528.98%-3518.5pp | 35.66%-25.2pp |
| Employer contribution / active EE | $208 | $2,022-89.7% | $2,736-92.4% | $2,757-92.5% |
| Participant deferral / active EE | $874 | $2,927-70.2% | $4,003-78.2% | $4,299-79.7% |
| Admin fee / account holder | $1,010 | $3,692-72.6% | $3,993-74.7% | $6,924-85.4% |