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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 | $10,062 | $95,383-89.5% | $185,837-94.6% | $85,856-88.3% |
| Participation rate | 60.5% | 68.8%-8.3pp | 81.7%-21.2pp | 69.3%-8.9pp |
| Annual return | 10.93% | 23.59%-12.7pp | 122.08%-111.1pp | 318.58%-307.7pp |
| Employer contribution / active EE | $230 | $3,313-93.1% | $5,168-95.6% | $2,565-91.0% |
| Participant deferral / active EE | $1,165 | $3,423-66.0% | $5,568-79.1% | $3,952-70.5% |
| Admin fee / account holder | $313 | $7,213-95.7% | $16,241-98.1% | $6,261-95.0% |