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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 | $13,123 | $63,082-79.2% | $81,716-83.9% | $79,852-83.6% |
| Participation rate | 30.0% | 67.5%-37.5pp | 72.0%-42.0pp | 69.6%-39.6pp |
| Annual return | -7.50% | 22.66%-30.2pp | 29.49%-37.0pp | 31.72%-39.2pp |
| Employer contribution / active EE | $167 | $1,795-90.7% | $4,310-96.1% | $2,471-93.2% |
| Participant deferral / active EE | $1,039 | $2,780-62.6% | $7,108-85.4% | $3,740-72.2% |
| Admin fee / account holder | $2,299 | $4,428-48.1% | $5,159-55.4% | $5,306-56.7% |