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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 | $3,436 | $77,908-95.6% | $149,696-97.7% | $75,173-95.4% |
| Participation rate | 41.3% | 65.6%-24.2pp | 78.8%-37.4pp | 67.2%-25.9pp |
| Annual return | 4.43% | 31.73%-27.3pp | 134.46%-130.0pp | 160.72%-156.3pp |
| Employer contribution / active EE | $3 | $3,138-99.9% | $4,821-99.9% | $2,671-99.9% |
| Participant deferral / active EE | $1,175 | $3,411-65.5% | $5,682-79.3% | $4,126-71.5% |
| Admin fee / account holder | $363 | $5,950-93.9% | $13,212-97.3% | $5,651-93.6% |