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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 | $23,985 | $67,411-64.4% | $91,004-73.6% | $70,126-65.8% |
| Participation rate | 37.3% | 71.4%-34.1pp | 75.6%-38.3pp | 69.5%-32.3pp |
| Annual return | 6.07% | -40.16%+46.2pp | 4.60%+1.5pp | 73.15%-67.1pp |
| Employer contribution / active EE | $322 | $1,786-82.0% | $2,456-86.9% | $2,343-86.3% |
| Participant deferral / active EE | $2,079 | $2,823-26.3% | $3,548-41.4% | $3,332-37.6% |
| Admin fee / account holder | $2,541 | $4,236-40.0% | $5,417-53.1% | $4,645-45.3% |