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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 | $2,461 | $45,119-94.5% | $85,126-97.1% | $74,429-96.7% |
| Participation rate | 69.5% | 49.4%+20.2pp | 67.5%+2.0pp | 67.2%+2.3pp |
| Annual return | 8.30% | 26.28%-18.0pp | 66.63%-58.3pp | 1368.38%-1360.1pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $2,731-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $997 | $2,738-63.6% | $4,523-78.0% | $4,348-77.1% |
| Admin fee / account holder | $874 | $2,214-60.5% | $6,160-85.8% | $1,944-55.0% |