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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 | $7,597 | $45,343-83.2% | $150,298-94.9% | $67,986-88.8% |
| Participation rate | 55.3% | 51.9%+3.4pp | 77.8%-22.5pp | 57.2%-1.9pp |
| Annual return | 11.59% | 33.28%-21.7pp | 62.79%-51.2pp | 31.67%-20.1pp |
| Employer contribution / active EE | $26 | $1,462-98.3% | $4,154-99.4% | $2,019-98.7% |
| Participant deferral / active EE | $814 | $2,055-60.4% | $5,453-85.1% | $3,358-75.8% |
| Admin fee / account holder | $1,085 | $2,250-51.8% | $14,116-92.3% | $3,203-66.1% |