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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 | $13,376 | $183,516-92.7% | $155,534-91.4% | $145,884-90.8% |
| Participation rate | 69.6% | 82.7%-13.1pp | 78.2%-8.7pp | 80.3%-10.7pp |
| Annual return | 2.33% | 61.43%-59.1pp | 64.92%-62.6pp | 551.85%-549.5pp |
| Employer contribution / active EE | $632 | $5,315-88.1% | $4,675-86.5% | $4,662-86.4% |
| Participant deferral / active EE | $2,718 | $6,467-58.0% | $5,630-51.7% | $6,690-59.4% |
| Admin fee / account holder | $1,217 | $19,293-93.7% | $15,900-92.3% | $13,392-90.9% |