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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 | $8,732 | $50,902-82.8% | $155,534-94.4% | $77,736-88.8% |
| Participation rate | 23.8% | 63.1%-39.3pp | 78.2%-54.4pp | 70.6%-46.8pp |
| Annual return | 11.25% | 34.85%-23.6pp | 64.92%-53.7pp | 31.26%-20.0pp |
| Employer contribution / active EE | $279 | $1,991-86.0% | $4,675-94.0% | $2,728-89.8% |
| Participant deferral / active EE | $892 | $2,824-68.4% | $5,630-84.2% | $4,651-80.8% |
| Admin fee / account holder | $1,983 | $437+353.8% | $15,900-87.5% | $433+357.6% |