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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 | $8,068 | $78,027-89.7% | $178,528-95.5% | $80,925-90.0% |
| Participation rate | 69.7% | 65.7%+4.0pp | 77.1%-7.4pp | 67.7%+2.0pp |
| Annual return | 10.26% | 18.09%-7.8pp | 27.11%-16.8pp | 35.65%-25.4pp |
| Employer contribution / active EE | $323 | $2,281-85.9% | $3,950-91.8% | $2,756-88.3% |
| Participant deferral / active EE | $1,999 | $4,408-54.7% | $6,278-68.2% | $4,299-53.5% |
| Admin fee / account holder | $368 | $7,168-94.9% | $10,419-96.5% | $6,940-94.7% |