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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 | $17,311 | $76,669-77.4% | $96,520-82.1% | $71,495-75.8% |
| Participation rate | 33.1% | 66.6%-33.5pp | 74.3%-41.3pp | 67.9%-34.9pp |
| Annual return | 12.46% | 48.29%-35.8pp | 35.72%-23.3pp | 28.85%-16.4pp |
| Employer contribution / active EE | $513 | $3,031-83.1% | $3,739-86.3% | $2,589-80.2% |
| Participant deferral / active EE | $1,741 | $3,771-53.8% | $4,879-64.3% | $4,291-59.4% |
| Admin fee / account holder | $826 | $2,028-59.3% | $6,733-87.7% | $1,588-48.0% |