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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 | $17,094 | $78,707-78.3% | $117,861-85.5% | $70,126-75.6% |
| Participation rate | 53.1% | 73.2%-20.1pp | 79.7%-26.6pp | 69.5%-16.5pp |
| Annual return | 6.12% | 23.30%-17.2pp | 335.11%-329.0pp | 73.15%-67.0pp |
| Employer contribution / active EE | $363 | $2,223-83.7% | $3,786-90.4% | $2,343-84.5% |
| Participant deferral / active EE | $3,149 | $3,297-4.5% | $4,482-29.7% | $3,332-5.5% |
| Admin fee / account holder | $1,084 | $5,066-78.6% | $8,021-86.5% | $4,645-76.7% |