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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 | $23,301 | $81,494-71.4% | $133,978-82.6% | $73,497-68.3% |
| Participation rate | 69.2% | 76.4%-7.1pp | 79.8%-10.6pp | 70.7%-1.5pp |
| Annual return | 8.81% | 19.40%-10.6pp | 45.10%-36.3pp | 28.51%-19.7pp |
| Employer contribution / active EE | $271 | $2,210-87.7% | $3,919-93.1% | $2,270-88.1% |
| Participant deferral / active EE | $2,601 | $3,787-31.3% | $5,047-48.5% | $3,740-30.4% |
| Admin fee / account holder | $1,503 | $713+110.6% | $8,930-83.2% | $513+192.9% |