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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 | $21,870 | $58,828-62.8% | $78,002-72.0% | $62,881-65.2% |
| Participation rate | 28.8% | 71.1%-42.3pp | 75.5%-46.8pp | 69.3%-40.5pp |
| Annual return | 0.23% | 17.16%-16.9pp | 425.99%-425.8pp | 20.14%-19.9pp |
| Employer contribution / active EE | $247 | $1,672-85.2% | $2,470-90.0% | $2,281-89.2% |
| Participant deferral / active EE | $1,614 | $2,686-39.9% | $3,497-53.8% | $3,203-49.6% |
| Admin fee / account holder | $3,226 | $4,393-26.6% | $5,481-41.1% | $4,296-24.9% |