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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 | $12,760 | $84,236-84.9% | $170,439-92.5% | $70,124-81.8% |
| Participation rate | 69.4% | 70.8%-1.5pp | 83.6%-14.2pp | 69.5%-0.2pp |
| Annual return | 10.39% | 23.06%-12.7pp | 205.94%-195.5pp | 73.14%-62.8pp |
| Employer contribution / active EE | $282 | $3,387-91.7% | $5,433-94.8% | $2,342-87.9% |
| Participant deferral / active EE | $1,129 | $3,086-63.4% | $4,939-77.1% | $3,332-66.1% |
| Admin fee / account holder | $1,767 | $5,698-69.0% | $13,881-87.3% | $4,645-62.0% |