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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 | $12,751 | $69,977-81.8% | $108,582-88.3% | $62,881-79.7% |
| Participation rate | 60.4% | 72.9%-12.5pp | 79.6%-19.2pp | 69.3%-8.9pp |
| Annual return | 2.72% | 10.73%-8.0pp | -51.70%+54.4pp | 20.14%-17.4pp |
| Employer contribution / active EE | $345 | $2,135-83.9% | $3,758-90.8% | $2,281-84.9% |
| Participant deferral / active EE | $3,018 | $3,165-4.6% | $4,311-30.0% | $3,203-5.8% |
| Admin fee / account holder | $2,687 | $5,076-47.1% | $7,645-64.9% | $4,296-37.4% |