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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 | $4,494 | $81,276-94.5% | $155,574-97.1% | $80,925-94.4% |
| Participation rate | 49.2% | 66.2%-17.0pp | 78.2%-29.0pp | 67.7%-18.5pp |
| Annual return | 6.19% | 33.36%-27.2pp | 64.87%-58.7pp | 35.65%-29.5pp |
| Employer contribution / active EE | $144 | $3,103-95.4% | $4,676-96.9% | $2,756-94.8% |
| Participant deferral / active EE | $1,046 | $3,453-69.7% | $5,629-81.4% | $4,299-75.7% |
| Admin fee / account holder | $326 | $7,993-95.9% | $15,914-98.0% | $6,940-95.3% |