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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 | $19,585 | $79,955-75.5% | $98,461-80.1% | $75,173-73.9% |
| Participation rate | 42.1% | 70.4%-28.3pp | 75.2%-33.1pp | 67.2%-25.1pp |
| Annual return | 9.80% | 19.75%-9.9pp | 21.17%-11.4pp | 160.72%-150.9pp |
| Employer contribution / active EE | $165 | $2,264-92.7% | $3,049-94.6% | $2,671-93.8% |
| Participant deferral / active EE | $2,310 | $3,752-38.4% | $4,738-51.2% | $4,126-44.0% |
| Admin fee / account holder | $1,646 | $6,841-75.9% | $8,961-81.6% | $5,651-70.9% |