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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 | $2,389 | $43,749-94.5% | $158,223-98.5% | $65,306-96.3% |
| Participation rate | 62.2% | 56.9%+5.3pp | 79.2%-17.0pp | 57.7%+4.5pp |
| Annual return | 7.62% | 19.41%-11.8pp | 52.09%-44.5pp | 21.94%-14.3pp |
| Employer contribution / active EE | $281 | $1,497-81.3% | $4,109-93.2% | $1,967-85.7% |
| Participant deferral / active EE | $1,249 | $2,019-38.1% | $5,467-77.2% | $2,959-57.8% |
| Admin fee / account holder | $741 | $1,930-61.6% | $16,047-95.4% | $3,480-78.7% |