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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 | $16,757 | $54,541-69.3% | $78,778-78.7% | $70,126-76.1% |
| Participation rate | 32.4% | 60.8%-28.4pp | 69.2%-36.8pp | 69.5%-37.1pp |
| Annual return | 7.27% | 21.07%-13.8pp | 35.62%-28.4pp | 73.15%-65.9pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,959 | $2,210-11.4% | $2,958-33.8% | $3,332-41.2% |
| Admin fee / account holder | $915 | $3,709-75.3% | $5,134-82.2% | $4,645-80.3% |