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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 | $5,400 | $175,231-96.9% | $149,696-96.4% | $139,466-96.1% |
| Participation rate | 36.8% | 83.4%-46.5pp | 78.8%-41.9pp | 80.3%-43.5pp |
| Annual return | 10.66% | 166.77%-156.1pp | 134.46%-123.8pp | 373.66%-363.0pp |
| Employer contribution / active EE | $467 | $5,478-91.5% | $4,821-90.3% | $4,754-90.2% |
| Participant deferral / active EE | $2,124 | $6,521-67.4% | $5,682-62.6% | $6,712-68.4% |
| Admin fee / account holder | $6,347 | $16,155-60.7% | $13,212-52.0% | $11,409-44.4% |