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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 | $25,806 | $137,414-81.2% | $189,545-86.4% | $85,851-69.9% |
| Participation rate | 67.9% | 84.6%-16.8pp | 87.8%-19.9pp | 69.3%-1.5pp |
| Annual return | 11.45% | 38.14%-26.7pp | 555.36%-543.9pp | 318.63%-307.2pp |
| Employer contribution / active EE | $561 | $4,344-87.1% | $6,162-90.9% | $2,565-78.1% |
| Participant deferral / active EE | $3,425 | $6,260-45.3% | $8,220-58.3% | $3,952-13.3% |
| Admin fee / account holder | $1,102 | $8,630-87.2% | $12,049-90.9% | $6,261-82.4% |