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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 | $23,305 | $102,393-77.2% | $147,041-84.2% | $80,911-71.2% |
| Participation rate | 50.8% | 75.9%-25.0pp | 82.2%-31.3pp | 67.6%-16.8pp |
| Annual return | 11.31% | 134.95%-123.6pp | 419.21%-407.9pp | 35.63%-24.3pp |
| Employer contribution / active EE | $531 | $3,715-85.7% | $4,935-89.2% | $2,756-80.7% |
| Participant deferral / active EE | $3,364 | $6,647-49.4% | $8,071-58.3% | $4,297-21.7% |
| Admin fee / account holder | $4,182 | $7,943-47.3% | $13,006-67.8% | $6,935-39.7% |