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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 | $18,105 | $73,988-75.5% | $96,538-81.2% | $75,177-75.9% |
| Participation rate | 36.2% | 66.4%-30.3pp | 74.3%-38.2pp | 67.2%-31.0pp |
| Annual return | 11.97% | 26.73%-14.8pp | 35.74%-23.8pp | 160.75%-148.8pp |
| Employer contribution / active EE | $695 | $2,930-76.3% | $3,740-81.4% | $2,671-74.0% |
| Participant deferral / active EE | $1,624 | $3,660-55.6% | $4,880-66.7% | $4,126-60.6% |
| Admin fee / account holder | $1,863 | $5,220-64.3% | $6,737-72.3% | $5,651-67.0% |