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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 | $4,844 | $45,900-89.4% | $94,057-94.8% | $64,340-92.5% |
| Participation rate | 25.1% | 50.6%-25.4pp | 73.3%-48.2pp | 55.2%-30.1pp |
| Annual return | 7.75% | 50.47%-42.7pp | 480.62%-472.9pp | 24.14%-16.4pp |
| Employer contribution / active EE | $0 | $1,612-100.0% | $2,933-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $622 | $2,102-70.4% | $4,709-86.8% | $2,980-79.1% |
| Admin fee / account holder | $320 | $3,143-89.8% | $7,244-95.6% | $3,703-91.4% |