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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 | $4,971 | $72,465-93.1% | $67,575-92.6% | $145,884-96.6% |
| Participation rate | 58.8% | 76.9%-18.1pp | 72.9%-14.1pp | 80.3%-21.5pp |
| Annual return | 4.95% | 7222.56%-7217.6pp | 3528.98%-3524.0pp | 551.85%-546.9pp |
| Employer contribution / active EE | $0 | $3,074-100.0% | $2,736-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,434 | $4,786-49.1% | $4,003-39.2% | $6,690-63.6% |
| Admin fee / account holder | $472 | $5,515-91.5% | $3,993-88.2% | $13,392-96.5% |