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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 | $6,484 | $45,343-85.7% | $150,298-95.7% | $67,986-90.5% |
| Participation rate | 18.1% | 51.9%-33.8pp | 77.8%-59.7pp | 57.2%-39.1pp |
| Annual return | 7.03% | 33.28%-26.2pp | 62.79%-55.8pp | 31.67%-24.6pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $686 | $2,055-66.6% | $5,453-87.4% | $3,358-79.6% |
| Admin fee / account holder | $1,150 | $2,250-48.9% | $14,116-91.9% | $3,203-64.1% |