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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 | $19,857 | $106,864-81.4% | $147,318-86.5% | $82,637-76.0% |
| Participation rate | 40.5% | 75.5%-35.0pp | 82.1%-41.5pp | 68.1%-27.5pp |
| Annual return | 13.25% | 27.49%-14.2pp | 70.43%-57.2pp | 53.51%-40.3pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,567 | $6,496-45.1% | $7,906-54.9% | $4,126-13.6% |
| Admin fee / account holder | $5,767 | $8,415-31.5% | $13,708-57.9% | $7,339-21.4% |