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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 | $15,853 | $72,273-78.1% | $101,275-84.3% | $79,856-80.1% |
| Participation rate | 47.0% | 68.5%-21.5pp | 75.8%-28.8pp | 69.6%-22.7pp |
| Annual return | 9.11% | 22.30%-13.2pp | 46.48%-37.4pp | 31.71%-22.6pp |
| Employer contribution / active EE | $525 | $2,691-80.5% | $3,660-85.6% | $2,471-78.7% |
| Participant deferral / active EE | $1,582 | $3,282-51.8% | $4,371-63.8% | $3,741-57.7% |
| Admin fee / account holder | $698 | $4,401-84.1% | $5,948-88.3% | $5,306-86.8% |