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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 | $10,859 | $56,894-80.9% | $84,753-87.2% | $62,881-82.7% |
| Participation rate | 30.4% | 68.5%-38.1pp | 76.6%-46.2pp | 69.3%-38.9pp |
| Annual return | 2.10% | 6.30%-4.2pp | 22.78%-20.7pp | 20.14%-18.0pp |
| Employer contribution / active EE | $232 | $2,400-90.3% | $3,574-93.5% | $2,281-89.8% |
| Participant deferral / active EE | $1,260 | $2,709-53.5% | $3,712-66.1% | $3,203-60.7% |
| Admin fee / account holder | $3,212 | $3,581-10.3% | $5,333-39.8% | $4,296-25.2% |