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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 | $6,080 | $212,386-97.1% | $199,883-97.0% | $138,895-95.6% |
| Participation rate | 66.7% | 87.4%-20.7pp | 86.8%-20.1pp | 79.9%-13.3pp |
| Annual return | 7.82% | 47.75%-39.9pp | 43.81%-36.0pp | 145.39%-137.6pp |
| Employer contribution / active EE | $725 | $6,625-89.1% | $6,261-88.4% | $4,194-82.7% |
| Participant deferral / active EE | $3,443 | $9,617-64.2% | $9,138-62.3% | $6,396-46.2% |
| Admin fee / account holder | $3,952 | $18,233-78.3% | $17,268-77.1% | $12,562-68.5% |