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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 | $12,251 | $209,425-94.2% | $178,499-93.1% | $158,966-92.3% |
| Participation rate | 42.1% | 86.4%-44.2pp | 81.9%-39.8pp | 82.0%-39.9pp |
| Annual return | 2.70% | 188.80%-186.1pp | 151.10%-148.4pp | 302.95%-300.3pp |
| Employer contribution / active EE | $834 | $5,707-85.4% | $5,011-83.4% | $4,762-82.5% |
| Participant deferral / active EE | $2,349 | $5,955-60.6% | $5,202-54.9% | $5,983-60.7% |
| Admin fee / account holder | $4,146 | $17,078-75.7% | $13,986-70.4% | $11,250-63.1% |