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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 | $16,860 | $102,429-83.5% | $147,096-88.5% | $80,925-79.2% |
| Participation rate | 48.9% | 75.9%-26.9pp | 82.2%-33.2pp | 67.7%-18.7pp |
| Annual return | 9.76% | 135.02%-125.3pp | 419.75%-410.0pp | 35.65%-25.9pp |
| Employer contribution / active EE | $692 | $3,716-81.4% | $4,936-86.0% | $2,756-74.9% |
| Participant deferral / active EE | $3,801 | $6,649-42.8% | $8,071-52.9% | $4,299-11.6% |
| Admin fee / account holder | $4,416 | $7,957-44.5% | $13,005-66.0% | $6,940-36.4% |