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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 | $7,851 | $28,167-72.1% | $73,658-89.3% | $64,728-87.9% |
| Participation rate | 12.2% | 21.1%-8.9pp | 57.0%-44.9pp | 57.9%-45.7pp |
| Annual return | 5.40% | 139.75%-134.4pp | 29.72%-24.3pp | 49.38%-44.0pp |
| Employer contribution / active EE | $0 | $373-100.0% | $1,032-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $314 | $597-47.5% | $2,062-84.8% | $2,729-88.5% |
| Admin fee / account holder | $807 | $1,791-55.0% | $3,357-76.0% | $1,145-29.6% |