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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 | $16,107 | $62,409-74.2% | $120,380-86.6% | $74,400-78.4% |
| Participation rate | 69.0% | 56.8%+12.2pp | 71.9%-2.9pp | 67.2%+1.8pp |
| Annual return | 10.87% | 18.62%-7.7pp | 107.28%-96.4pp | 1367.51%-1356.6pp |
| Employer contribution / active EE | $102 | $1,847-94.5% | $3,465-97.1% | $2,624-96.1% |
| Participant deferral / active EE | $5,395 | $2,888+86.8% | $4,992+8.1% | $4,348+24.1% |
| Admin fee / account holder | $3,658 | $2,394+52.8% | $9,421-61.2% | $1,944+88.2% |