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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 | $12,228 | $56,054-78.2% | $171,082-92.9% | $62,881-80.6% |
| Participation rate | 57.1% | 62.9%-5.7pp | 76.7%-19.6pp | 69.3%-12.2pp |
| Annual return | 0.57% | 22.52%-21.9pp | 32.56%-32.0pp | 20.14%-19.6pp |
| Employer contribution / active EE | $257 | $1,731-85.2% | $4,002-93.6% | $2,281-88.7% |
| Participant deferral / active EE | $1,287 | $3,158-59.2% | $4,797-73.2% | $3,203-59.8% |
| Admin fee / account holder | $410 | $3,647-88.8% | $8,520-95.2% | $4,296-90.5% |