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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 | $16,791 | $58,726-71.4% | $142,898-88.2% | $85,847-80.4% |
| Participation rate | 56.8% | 58.5%-1.7pp | 72.0%-15.2pp | 69.3%-12.5pp |
| Annual return | 10.01% | 27.73%-17.7pp | 5639.64%-5629.6pp | 318.61%-308.6pp |
| Employer contribution / active EE | $198 | $1,424-86.1% | $4,146-95.2% | $2,565-92.3% |
| Participant deferral / active EE | $1,546 | $2,609-40.8% | $3,838-59.7% | $3,952-60.9% |
| Admin fee / account holder | $1,010 | $4,234-76.2% | $6,560-84.6% | $6,261-83.9% |