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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 | $10,345 | $70,486-85.3% | $100,535-89.7% | $79,856-87.0% |
| Participation rate | 41.4% | 73.6%-32.3pp | 79.4%-38.0pp | 69.6%-28.3pp |
| Annual return | 8.95% | 21.90%-12.9pp | 30.90%-21.9pp | 31.71%-22.8pp |
| Employer contribution / active EE | $1 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,641 | $5,182-49.0% | $6,271-57.9% | $3,741-29.4% |
| Admin fee / account holder | $2,432 | $4,480-45.7% | $8,085-69.9% | $5,306-54.2% |