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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 | $12,170 | $105,856-88.5% | $90,161-86.5% | $147,586-91.8% |
| Participation rate | 54.5% | 79.7%-25.2pp | 76.9%-22.3pp | 82.8%-28.3pp |
| Annual return | 8.23% | 37.63%-29.4pp | 34.89%-26.7pp | 578.59%-570.4pp |
| Employer contribution / active EE | $400 | $4,126-90.3% | $3,318-87.9% | $4,876-91.8% |
| Participant deferral / active EE | $2,280 | $5,733-60.2% | $5,287-56.9% | $5,439-58.1% |
| Admin fee / account holder | $1,012 | $8,046-87.4% | $5,943-83.0% | $10,886-90.7% |