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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 | $14,116 | $86,050-83.6% | $189,758-92.6% | $94,015-85.0% |
| Participation rate | 63.8% | 68.9%-5.1pp | 79.8%-16.0pp | 70.8%-7.0pp |
| Annual return | 7.31% | 17.77%-10.5pp | 52.62%-45.3pp | 17.84%-10.5pp |
| Employer contribution / active EE | $0 | $2,819-100.0% | $4,767-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,284 | $3,349-31.8% | $5,856-61.0% | $4,249-46.2% |
| Admin fee / account holder | $637 | $6,627-90.4% | $20,388-96.9% | $8,951-92.9% |