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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 | $27,269 | $80,763-66.2% | $102,412-73.4% | $74,459-63.4% |
| Participation rate | 30.1% | 65.7%-35.5pp | 74.5%-44.4pp | 67.2%-37.1pp |
| Annual return | 10.76% | 27.57%-16.8pp | 24.94%-14.2pp | 1369.70%-1358.9pp |
| Employer contribution / active EE | $511 | $3,160-83.8% | $3,870-86.8% | $2,626-80.5% |
| Participant deferral / active EE | $2,049 | $3,862-47.0% | $5,060-59.5% | $4,350-52.9% |
| Admin fee / account holder | $5,487 | $2,371+131.4% | $8,388-34.6% | $1,945+182.1% |