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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 | $22,233 | $101,653-78.1% | $147,080-84.9% | $74,459-70.1% |
| Participation rate | 44.7% | 75.6%-30.8pp | 82.2%-37.4pp | 67.2%-22.5pp |
| Annual return | 12.40% | 8754.98%-8742.6pp | 420.17%-407.8pp | 1369.70%-1357.3pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,562 | $7,304-51.2% | $8,066-55.8% | $4,350-18.1% |
| Admin fee / account holder | $1,997 | $1,752+14.0% | $12,989-84.6% | $1,945+2.7% |