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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 | $12,839 | $85,766-85.0% | $136,298-90.6% | $70,126-81.7% |
| Participation rate | 49.3% | 74.2%-24.8pp | 81.9%-32.6pp | 69.5%-20.2pp |
| Annual return | 12.09% | 31.46%-19.4pp | 5156.27%-5144.2pp | 73.15%-61.1pp |
| Employer contribution / active EE | $166 | $2,966-94.4% | $4,696-96.5% | $2,343-92.9% |
| Participant deferral / active EE | $2,419 | $5,051-52.1% | $6,247-61.3% | $3,332-27.4% |
| Admin fee / account holder | $882 | $5,421-83.7% | $9,244-90.5% | $4,645-81.0% |