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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 | $26,226 | $152,619-82.8% | $125,195-79.1% | $152,909-82.8% |
| Participation rate | 50.0% | 83.3%-33.3pp | 79.8%-29.8pp | 82.5%-32.5pp |
| Annual return | 0.21% | 54.85%-54.6pp | 43.79%-43.6pp | 345.46%-345.2pp |
| Employer contribution / active EE | $594 | $4,947-88.0% | $3,866-84.6% | $4,764-87.5% |
| Participant deferral / active EE | $12,500 | $5,869+113.0% | $4,937+153.2% | $5,851+113.6% |
| Admin fee / account holder | $17,686 | $13,437+31.6% | $9,704+82.3% | $11,601+52.5% |