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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 | $15,050 | $54,541-72.4% | $78,778-80.9% | $70,126-78.5% |
| Participation rate | 63.8% | 60.8%+3.0pp | 69.2%-5.4pp | 69.5%-5.7pp |
| Annual return | 9.52% | 21.07%-11.6pp | 35.62%-26.1pp | 73.15%-63.6pp |
| Employer contribution / active EE | $182 | $1,089-83.3% | $1,986-90.8% | $2,343-92.2% |
| Participant deferral / active EE | $1,062 | $2,210-52.0% | $2,958-64.1% | $3,332-68.1% |
| Admin fee / account holder | $493 | $3,709-86.7% | $5,134-90.4% | $4,645-89.4% |