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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 | $16,900 | $101,798-83.4% | $165,071-89.8% | $80,935-79.1% |
| Participation rate | 57.7% | 71.8%-14.1pp | 78.6%-20.9pp | 67.7%-10.0pp |
| Annual return | 3.14% | 16.73%-13.6pp | 70.17%-67.0pp | 35.66%-32.5pp |
| Employer contribution / active EE | $633 | $2,954-78.6% | $4,347-85.4% | $2,757-77.0% |
| Participant deferral / active EE | $2,702 | $4,476-39.6% | $6,035-55.2% | $4,299-37.1% |
| Admin fee / account holder | $1,253 | $8,221-84.8% | $12,695-90.1% | $6,924-81.9% |