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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 | $30,409 | $171,867-82.3% | $149,721-79.7% | $147,586-79.4% |
| Participation rate | 66.7% | 88.2%-21.5pp | 87.1%-20.4pp | 82.8%-16.2pp |
| Annual return | 8.91% | 2113.36%-2104.5pp | 1501.67%-1492.8pp | 578.59%-569.7pp |
| Employer contribution / active EE | $50 | $6,275-99.2% | $5,444-99.1% | $4,876-99.0% |
| Participant deferral / active EE | $2,880 | $7,270-60.4% | $6,568-56.2% | $5,439-47.0% |
| Admin fee / account holder | $344 | $13,799-97.5% | $11,282-97.0% | $10,886-96.8% |