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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 | $10,331 | $39,162-73.6% | $100,671-89.7% | $59,633-82.7% |
| Participation rate | 41.3% | 55.9%-14.5pp | 70.7%-29.4pp | 68.7%-27.3pp |
| Annual return | -4.89% | 21.07%-26.0pp | 20.43%-25.3pp | 2041.45%-2046.3pp |
| Employer contribution / active EE | $114 | $1,151-90.1% | $4,012-97.2% | $2,203-94.8% |
| Participant deferral / active EE | $933 | $1,992-53.1% | $3,144-70.3% | $3,192-70.8% |
| Admin fee / account holder | $464 | $2,969-84.4% | $4,850-90.4% | $4,297-89.2% |