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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 | $9,087 | $60,349-84.9% | $74,184-87.8% | $62,881-85.5% |
| Participation rate | 42.3% | 72.7%-30.4pp | 76.6%-34.3pp | 69.3%-27.0pp |
| Annual return | 2.18% | 21.38%-19.2pp | 17.74%-15.6pp | 20.14%-18.0pp |
| Employer contribution / active EE | $214 | $1,680-87.3% | $2,370-91.0% | $2,281-90.6% |
| Participant deferral / active EE | $1,849 | $2,856-35.3% | $3,550-47.9% | $3,203-42.3% |
| Admin fee / account holder | $515 | $4,261-87.9% | $5,586-90.8% | $4,296-88.0% |