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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 | $5,905 | $53,837-89.0% | $75,714-92.2% | $85,847-93.1% |
| Participation rate | 50.0% | 69.1%-19.1pp | 74.8%-24.8pp | 69.3%-19.3pp |
| Annual return | 8.37% | 24.54%-16.2pp | 104.62%-96.3pp | 318.61%-310.2pp |
| Employer contribution / active EE | $14 | $2,017-99.3% | $2,744-99.5% | $2,565-99.4% |
| Participant deferral / active EE | $1,440 | $2,895-50.3% | $3,820-62.3% | $3,952-63.6% |
| Admin fee / account holder | $1,125 | $3,339-66.3% | $3,619-68.9% | $6,261-82.0% |