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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 | $14,658 | $217,427-93.3% | $185,837-92.1% | $167,518-91.3% |
| Participation rate | 68.4% | 86.0%-17.6pp | 81.7%-13.3pp | 82.1%-13.7pp |
| Annual return | 6.89% | 148.39%-141.5pp | 122.08%-115.2pp | 478.71%-471.8pp |
| Employer contribution / active EE | $513 | $5,874-91.3% | $5,168-90.1% | $4,838-89.4% |
| Participant deferral / active EE | $2,971 | $6,357-53.3% | $5,568-46.6% | $6,342-53.2% |
| Admin fee / account holder | $1,627 | $19,816-91.8% | $16,241-90.0% | $12,312-86.8% |