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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 | $5,221 | $57,590-90.9% | $86,233-93.9% | $82,448-93.7% |
| Participation rate | 67.9% | 57.9%+10.0pp | 69.0%-1.2pp | 68.1%-0.2pp |
| Annual return | 12.85% | 22.41%-9.6pp | 61.39%-48.5pp | 41.64%-28.8pp |
| Employer contribution / active EE | $62 | $1,655-96.3% | $2,504-97.5% | $2,551-97.6% |
| Participant deferral / active EE | $1,183 | $3,080-61.6% | $4,559-74.0% | $4,139-71.4% |
| Admin fee / account holder | $459 | $4,730-90.3% | $8,342-94.5% | $7,234-93.7% |