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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 | $15,224 | $109,359-86.1% | $162,177-90.6% | $72,975-79.1% |
| Participation rate | 65.6% | 84.3%-18.6pp | 87.6%-21.9pp | 69.5%-3.9pp |
| Annual return | 16.76% | 25.46%-8.7pp | 115.60%-98.8pp | 81.01%-64.3pp |
| Employer contribution / active EE | $0 | $3,907-100.0% | $5,613-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,445 | $5,481-18.9% | $7,297-39.1% | $3,608+23.2% |
| Admin fee / account holder | $1,901 | $7,972-76.2% | $10,843-82.5% | $5,124-62.9% |