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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 | $21,144 | $64,734-67.3% | $90,796-76.7% | $64,097-67.0% |
| Participation rate | 34.5% | 53.2%-18.7pp | 69.5%-35.0pp | 55.2%-20.7pp |
| Annual return | 11.44% | 17.77%-6.3pp | 19.29%-7.9pp | 34.64%-23.2pp |
| Employer contribution / active EE | $0 | $1,703-100.0% | $2,294-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,950 | $2,629+12.2% | $3,822-22.8% | $3,080-4.2% |
| Admin fee / account holder | $1,859 | $3,474-46.5% | $7,024-73.5% | $3,454-46.2% |