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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 | $12,405 | $85,171-85.4% | $172,752-92.8% | $72,975-83.0% |
| Participation rate | 30.5% | 70.1%-39.6pp | 82.6%-52.1pp | 69.5%-39.0pp |
| Annual return | 15.62% | 27.32%-11.7pp | 802.97%-787.3pp | 81.01%-65.4pp |
| Employer contribution / active EE | $153 | $3,324-95.4% | $5,144-97.0% | $2,440-93.7% |
| Participant deferral / active EE | $1,127 | $3,260-65.4% | $5,198-78.3% | $3,608-68.8% |
| Admin fee / account holder | $11,508 | $5,880+95.7% | $13,955-17.5% | $5,124+124.6% |