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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 | $10,529 | $81,504-87.1% | $102,437-89.7% | $80,959-87.0% |
| Participation rate | 27.5% | 66.9%-39.4pp | 74.5%-47.0pp | 67.7%-40.2pp |
| Annual return | 9.47% | 25.60%-16.1pp | 24.95%-15.5pp | 35.67%-26.2pp |
| Employer contribution / active EE | $775 | $3,104-75.0% | $3,871-80.0% | $2,757-71.9% |
| Participant deferral / active EE | $1,740 | $3,871-55.0% | $5,060-65.6% | $4,300-59.5% |
| Admin fee / account holder | $925 | $6,719-86.2% | $8,388-89.0% | $6,925-86.6% |