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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 | $27,876-71.8% | $83,854-90.6% | $65,191-88.0% |
| Participation rate | 12.2% | 23.2%-11.1pp | 59.1%-46.9pp | 63.0%-50.8pp |
| Annual return | 5.40% | 305.90%-300.5pp | 31.39%-26.0pp | 51.24%-45.8pp |
| Employer contribution / active EE | $0 | $472-100.0% | $1,017-100.0% | $2,400-100.0% |
| Participant deferral / active EE | $314 | $580-45.9% | $2,035-84.6% | $2,671-88.3% |
| Admin fee / account holder | $807 | $1,497-46.1% | $3,197-74.8% | $907-11.1% |