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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 | $12,446 | $74,535-83.3% | $100,712-87.6% | $82,637-84.9% |
| Participation rate | 35.3% | 61.2%-25.9pp | 69.3%-34.0pp | 68.1%-32.8pp |
| Annual return | 11.61% | 18.92%-7.3pp | 33.27%-21.7pp | 53.51%-41.9pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,717 | $3,074-11.6% | $4,085-33.5% | $4,126-34.1% |
| Admin fee / account holder | $609 | $6,576-90.7% | $9,256-93.4% | $7,339-91.7% |