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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 | $11,503 | $81,487-85.9% | $102,412-88.8% | $80,935-85.8% |
| Participation rate | 60.7% | 66.8%-6.1pp | 74.5%-13.8pp | 67.7%-6.9pp |
| Annual return | 6.92% | 25.60%-18.7pp | 24.94%-18.0pp | 35.66%-28.7pp |
| Employer contribution / active EE | $688 | $3,103-77.8% | $3,870-82.2% | $2,757-75.0% |
| Participant deferral / active EE | $2,661 | $3,871-31.3% | $5,060-47.4% | $4,299-38.1% |
| Admin fee / account holder | $1,753 | $6,717-73.9% | $8,388-79.1% | $6,924-74.7% |