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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 | $17,336 | $93,345-81.4% | $119,126-85.4% | $87,485-80.2% |
| Participation rate | 36.2% | 68.7%-32.5pp | 75.8%-39.6pp | 68.9%-32.7pp |
| Annual return | 9.45% | 19.08%-9.6pp | 282.11%-272.7pp | 26.06%-16.6pp |
| Employer contribution / active EE | $572 | $3,172-82.0% | $4,034-85.8% | $2,596-78.0% |
| Participant deferral / active EE | $2,048 | $4,099-50.0% | $5,318-61.5% | $4,274-52.1% |
| Admin fee / account holder | $1,361 | $8,039-83.1% | $10,693-87.3% | $7,775-82.5% |