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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 | $23,105 | $102,422-77.4% | $147,117-84.3% | $80,959-71.5% |
| Participation rate | 57.7% | 75.9%-18.2pp | 82.2%-24.5pp | 67.7%-10.0pp |
| Annual return | 9.30% | 135.16%-125.9pp | 420.54%-411.2pp | 35.67%-26.4pp |
| Employer contribution / active EE | $747 | $3,717-79.9% | $4,932-84.9% | $2,757-72.9% |
| Participant deferral / active EE | $2,990 | $6,652-55.0% | $8,065-62.9% | $4,300-30.5% |
| Admin fee / account holder | $2,123 | $7,953-73.3% | $12,993-83.7% | $6,925-69.4% |