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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 | $23,664 | $101,752-76.7% | $164,928-85.7% | $80,911-70.8% |
| Participation rate | 41.1% | 71.8%-30.8pp | 78.6%-37.5pp | 67.6%-26.6pp |
| Annual return | 6.25% | 16.73%-10.5pp | 70.08%-63.8pp | 35.63%-29.4pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,569 | $4,477-42.6% | $6,034-57.4% | $4,297-40.2% |
| Admin fee / account holder | $2,408 | $8,218-70.7% | $12,684-81.0% | $6,935-65.3% |