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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 | $18,555 | $86,940-78.7% | $102,434-81.9% | $80,935-77.1% |
| Participation rate | 51.4% | 72.4%-21.0pp | 76.5%-25.2pp | 67.7%-16.3pp |
| Annual return | 9.94% | 18.89%-9.0pp | 29.46%-19.5pp | 35.66%-25.7pp |
| Employer contribution / active EE | $300 | $2,370-87.3% | $3,023-90.1% | $2,757-89.1% |
| Participant deferral / active EE | $3,315 | $4,121-19.6% | $5,055-34.4% | $4,299-22.9% |
| Admin fee / account holder | $937 | $8,047-88.4% | $9,462-90.1% | $6,924-86.5% |