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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 | $10,505 | $54,690-80.8% | $76,030-86.2% | $74,478-85.9% |
| Participation rate | 20.8% | 60.3%-39.5pp | 69.1%-48.3pp | 67.2%-46.4pp |
| Annual return | 7.23% | 31.92%-24.7pp | 361.54%-354.3pp | 1370.56%-1363.3pp |
| Employer contribution / active EE | $96 | $1,781-94.6% | $2,688-96.4% | $2,626-96.3% |
| Participant deferral / active EE | $979 | $3,070-68.1% | $4,257-77.0% | $4,350-77.5% |
| Admin fee / account holder | $1,226 | $2,240-45.3% | $6,421-80.9% | $1,946-37.0% |