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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 | $16,829 | $81,476-79.3% | $102,383-83.6% | $80,925-79.2% |
| Participation rate | 48.0% | 66.8%-18.8pp | 74.5%-26.5pp | 67.7%-19.7pp |
| Annual return | 7.24% | 25.59%-18.4pp | 24.94%-17.7pp | 35.65%-28.4pp |
| Employer contribution / active EE | $60 | $3,105-98.1% | $3,870-98.5% | $2,756-97.8% |
| Participant deferral / active EE | $2,036 | $3,871-47.4% | $5,060-59.8% | $4,299-52.6% |
| Admin fee / account holder | $1,070 | $6,717-84.1% | $8,391-87.2% | $6,940-84.6% |