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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 | $21,745 | $70,430-69.1% | $96,572-77.5% | $85,851-74.7% |
| Participation rate | 55.2% | 61.8%-6.6pp | 69.8%-14.7pp | 69.3%-14.1pp |
| Annual return | 10.56% | 18.58%-8.0pp | 37.79%-27.2pp | 318.63%-308.1pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,111 | $2,894-27.1% | $3,850-45.2% | $3,952-46.6% |
| Admin fee / account holder | $3,568 | $4,996-28.6% | $6,183-42.3% | $6,261-43.0% |