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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 | $9,933 | $55,437-82.1% | $155,534-93.6% | $74,459-86.7% |
| Participation rate | 35.5% | 61.9%-26.4pp | 78.2%-42.7pp | 67.2%-31.7pp |
| Annual return | 9.58% | 269.58%-260.0pp | 64.92%-55.3pp | 1369.70%-1360.1pp |
| Employer contribution / active EE | $345 | $2,266-84.8% | $4,675-92.6% | $2,626-86.9% |
| Participant deferral / active EE | $810 | $2,837-71.4% | $5,630-85.6% | $4,350-81.4% |
| Admin fee / account holder | $617 | $1,742-64.6% | $15,900-96.1% | $1,945-68.3% |