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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 | $16,105 | $67,606-76.2% | $82,313-80.4% | $70,124-77.0% |
| Participation rate | 65.7% | 72.8%-7.1pp | 76.9%-11.2pp | 69.5%-3.9pp |
| Annual return | 11.26% | 21.57%-10.3pp | 25.88%-14.6pp | 73.14%-61.9pp |
| Employer contribution / active EE | $348 | $1,755-80.2% | $2,428-85.7% | $2,342-85.1% |
| Participant deferral / active EE | $1,771 | $2,987-40.7% | $3,706-52.2% | $3,332-46.8% |
| Admin fee / account holder | $2,558 | $4,512-43.3% | $5,608-54.4% | $4,645-44.9% |