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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 | $34,165 | $114,712-70.2% | $173,730-80.3% | $87,485-60.9% |
| Participation rate | 40.5% | 73.0%-32.5pp | 79.6%-39.0pp | 68.9%-28.4pp |
| Annual return | 7.60% | 20.18%-12.6pp | 19.96%-12.4pp | 26.06%-18.5pp |
| Employer contribution / active EE | $598 | $2,904-79.4% | $4,577-86.9% | $2,596-77.0% |
| Participant deferral / active EE | $3,829 | $4,642-17.5% | $6,326-39.5% | $4,274-10.4% |
| Admin fee / account holder | $10,805 | $10,210+5.8% | $17,523-38.3% | $7,775+39.0% |