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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 | $19,808 | $86,938-77.2% | $102,423-80.7% | $80,925-75.5% |
| Participation rate | 51.2% | 72.4%-21.2pp | 76.5%-25.3pp | 67.7%-16.4pp |
| Annual return | 8.86% | 18.89%-10.0pp | 29.42%-20.6pp | 35.65%-26.8pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,193 | $4,120+50.3% | $5,054+22.5% | $4,299+44.1% |
| Admin fee / account holder | $2,978 | $8,053-63.0% | $9,455-68.5% | $6,940-57.1% |