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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 | $19,429 | $106,749-81.8% | $145,433-86.6% | $82,448-76.4% |
| Participation rate | 25.0% | 75.6%-50.6pp | 82.1%-57.1pp | 68.1%-43.1pp |
| Annual return | 4.10% | 27.59%-23.5pp | 66.58%-62.5pp | 41.64%-37.5pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,085 | $6,519-52.7% | $7,897-60.9% | $4,139-25.5% |
| Admin fee / account holder | $4,013 | $8,390-52.2% | $13,129-69.4% | $7,234-44.5% |