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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 | $9,616 | $78,690-87.8% | $161,489-94.0% | $87,485-89.0% |
| Participation rate | 29.7% | 67.5%-37.7pp | 78.7%-49.0pp | 68.9%-39.2pp |
| Annual return | 7.80% | 32.74%-24.9pp | 89.72%-81.9pp | 26.06%-18.3pp |
| Employer contribution / active EE | $249 | $2,588-90.4% | $4,268-94.2% | $2,596-90.4% |
| Participant deferral / active EE | $1,166 | $3,311-64.8% | $5,630-79.3% | $4,274-72.7% |
| Admin fee / account holder | $818 | $6,724-87.8% | $16,006-94.9% | $7,775-89.5% |