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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 | $9,457 | $49,249-80.8% | $70,476-86.6% | $79,852-88.2% |
| Participation rate | 38.2% | 69.2%-31.0pp | 75.1%-36.9pp | 69.6%-31.5pp |
| Annual return | 0.67% | 30.09%-29.4pp | 109.12%-108.4pp | 31.72%-31.1pp |
| Employer contribution / active EE | $124 | $2,100-94.1% | $2,738-95.5% | $2,471-95.0% |
| Participant deferral / active EE | $1,027 | $2,769-62.9% | $3,710-72.3% | $3,740-72.5% |
| Admin fee / account holder | $3,223 | $2,878+12.0% | $3,847-16.2% | $5,306-39.3% |