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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 | $29,930 | $79,189-62.2% | $102,457-70.8% | $74,400-59.8% |
| Participation rate | 40.2% | 74.8%-34.5pp | 76.5%-36.2pp | 67.2%-27.0pp |
| Annual return | 8.42% | 54.98%-46.6pp | 29.41%-21.0pp | 1367.51%-1359.1pp |
| Employer contribution / active EE | $343 | $2,362-85.5% | $3,022-88.7% | $2,624-86.9% |
| Participant deferral / active EE | $3,430 | $4,415-22.3% | $5,054-32.1% | $4,348-21.1% |
| Admin fee / account holder | $6,946 | $2,002+246.9% | $9,451-26.5% | $1,944+257.4% |