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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 | $20,738 | $101,795-79.6% | $165,100-87.4% | $80,959-74.4% |
| Participation rate | 37.5% | 71.8%-34.3pp | 78.6%-41.1pp | 67.7%-30.2pp |
| Annual return | 7.42% | 16.73%-9.3pp | 70.21%-62.8pp | 35.67%-28.3pp |
| Employer contribution / active EE | $707 | $2,954-76.1% | $4,348-83.7% | $2,757-74.4% |
| Participant deferral / active EE | $2,048 | $4,476-54.2% | $6,035-66.1% | $4,300-52.4% |
| Admin fee / account holder | $2,365 | $8,221-71.2% | $12,696-81.4% | $6,925-65.9% |