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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 | $4,628 | $81,331-94.3% | $155,534-97.0% | $80,935-94.3% |
| Participation rate | 35.7% | 66.3%-30.5pp | 78.2%-42.5pp | 67.7%-31.9pp |
| Annual return | 3.34% | 33.37%-30.0pp | 64.92%-61.6pp | 35.66%-32.3pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,043 | $3,454-69.8% | $5,630-81.5% | $4,299-75.7% |
| Admin fee / account holder | $1,285 | $7,999-83.9% | $15,900-91.9% | $6,924-81.4% |