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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 | $15,773 | $67,411-76.6% | $91,004-82.7% | $70,124-77.5% |
| Participation rate | 59.5% | 71.4%-11.8pp | 75.6%-16.1pp | 69.5%-10.0pp |
| Annual return | 10.25% | -40.16%+50.4pp | 4.60%+5.7pp | 73.14%-62.9pp |
| Employer contribution / active EE | $210 | $1,786-88.2% | $2,456-91.4% | $2,342-91.0% |
| Participant deferral / active EE | $1,575 | $2,823-44.2% | $3,548-55.6% | $3,332-52.7% |
| Admin fee / account holder | $319 | $4,236-92.5% | $5,417-94.1% | $4,645-93.1% |