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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 | $19,134 | $76,371-74.9% | $93,621-79.6% | $72,976-73.8% |
| Participation rate | 46.5% | 71.8%-25.2pp | 75.8%-29.3pp | 69.5%-23.0pp |
| Annual return | 13.30% | 25.82%-12.5pp | 32.76%-19.5pp | 81.02%-67.7pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,158 | $3,538-39.0% | $4,070-47.0% | $3,608-40.2% |
| Admin fee / account holder | $5,762 | $6,839-15.7% | $7,890-27.0% | $5,124+12.5% |