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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 | $12,117 | $58,726-79.4% | $92,240-86.9% | $62,293-80.5% |
| Participation rate | 19.5% | 68.3%-48.8pp | 76.5%-57.0pp | 69.5%-50.0pp |
| Annual return | 10.54% | 43.62%-33.1pp | 176.29%-165.8pp | 28.90%-18.4pp |
| Employer contribution / active EE | $106 | $2,392-95.6% | $3,680-97.1% | $2,042-94.8% |
| Participant deferral / active EE | $1,264 | $2,766-54.3% | $3,897-67.6% | $3,169-60.1% |
| Admin fee / account holder | $1,399 | $556+151.5% | $5,194-73.1% | $479+191.9% |