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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 | $16,859 | $70,587-76.1% | $124,693-86.5% | $85,847-80.4% |
| Participation rate | 44.2% | 64.4%-20.2pp | 74.6%-30.4pp | 69.3%-25.1pp |
| Annual return | 10.82% | 20688.83%-20678.0pp | 5144.19%-5133.4pp | 318.61%-307.8pp |
| Employer contribution / active EE | $461 | $1,913-75.9% | $3,324-86.1% | $2,565-82.0% |
| Participant deferral / active EE | $1,211 | $2,969-59.2% | $4,615-73.8% | $3,952-69.3% |
| Admin fee / account holder | $2,595 | $5,282-50.9% | $7,494-65.4% | $6,261-58.5% |