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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 | $8,718 | $71,197-87.8% | $93,669-90.7% | $80,925-89.2% |
| Participation rate | 60.5% | 60.4%+0.1pp | 68.7%-8.2pp | 67.7%-7.1pp |
| Annual return | 1.48% | 11.27%-9.8pp | 133.59%-132.1pp | 35.65%-34.2pp |
| Employer contribution / active EE | $310 | $1,565-80.2% | $2,424-87.2% | $2,756-88.8% |
| Participant deferral / active EE | $2,495 | $4,036-38.2% | $4,416-43.5% | $4,299-42.0% |
| Admin fee / account holder | $1,219 | $6,959-82.5% | $8,291-85.3% | $6,940-82.4% |