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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 | $18,475 | $72,177-74.4% | $115,038-83.9% | $59,633-69.0% |
| Participation rate | 46.7% | 72.6%-25.9pp | 81.4%-34.7pp | 68.7%-22.0pp |
| Annual return | -5.09% | 12.02%-17.1pp | 26.14%-31.2pp | 2041.45%-2046.5pp |
| Employer contribution / active EE | $308 | $2,841-89.2% | $4,608-93.3% | $2,203-86.0% |
| Participant deferral / active EE | $2,384 | $4,783-50.2% | $6,026-60.4% | $3,192-25.3% |
| Admin fee / account holder | $333 | $4,927-93.2% | $8,175-95.9% | $4,297-92.3% |