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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 | $15,728 | $72,471-78.3% | $94,215-83.3% | $86,983-81.9% |
| Participation rate | 40.0% | 63.9%-23.9pp | 70.0%-30.0pp | 69.5%-29.5pp |
| Annual return | 6.04% | 26.44%-20.4pp | 28.22%-22.2pp | 25.83%-19.8pp |
| Employer contribution / active EE | $0 | $1,936-100.0% | $2,675-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,706 | $3,397-49.8% | $4,276-60.1% | $4,194-59.3% |
| Admin fee / account holder | $2,988 | $6,468-53.8% | $10,216-70.8% | $7,856-62.0% |