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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 | $16,291 | $72,486-77.5% | $87,103-81.3% | $72,976-77.7% |
| Participation rate | 67.6% | 72.8%-5.2pp | 76.9%-9.2pp | 69.5%-1.8pp |
| Annual return | 14.20% | 24.46%-10.3pp | 28.19%-14.0pp | 81.02%-66.8pp |
| Employer contribution / active EE | $229 | $1,894-87.9% | $2,521-90.9% | $2,440-90.6% |
| Participant deferral / active EE | $1,487 | $3,270-54.5% | $4,049-63.3% | $3,608-58.8% |
| Admin fee / account holder | $340 | $5,055-93.3% | $7,491-95.5% | $5,124-93.4% |