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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 | $11,314 | $49,199-77.0% | $121,210-90.7% | $75,177-85.0% |
| Participation rate | 14.6% | 55.4%-40.8pp | 69.5%-54.9pp | 67.2%-52.6pp |
| Annual return | 12.38% | 56.04%-43.7pp | 987.41%-975.0pp | 160.75%-148.4pp |
| Employer contribution / active EE | $281 | $1,547-81.9% | $4,171-93.3% | $2,671-89.5% |
| Participant deferral / active EE | $1,145 | $2,630-56.5% | $4,084-72.0% | $4,126-72.3% |
| Admin fee / account holder | $1,113 | $3,946-71.8% | $5,647-80.3% | $5,651-80.3% |