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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 | $19,911 | $76,669-74.0% | $96,520-79.4% | $71,495-72.2% |
| Participation rate | 26.4% | 66.6%-40.2pp | 74.3%-47.9pp | 67.9%-41.5pp |
| Annual return | 11.26% | 48.29%-37.0pp | 35.72%-24.5pp | 28.85%-17.6pp |
| Employer contribution / active EE | $523 | $3,031-82.7% | $3,739-86.0% | $2,589-79.8% |
| Participant deferral / active EE | $1,670 | $3,771-55.7% | $4,879-65.8% | $4,291-61.1% |
| Admin fee / account holder | $2,273 | $2,028+12.1% | $6,733-66.2% | $1,588+43.2% |