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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 | $99,875-80.1% | $146,866-86.5% | $86,983-77.2% |
| Participation rate | 40.5% | 75.8%-35.3pp | 82.5%-42.0pp | 69.5%-29.0pp |
| Annual return | 13.25% | 28.10%-14.9pp | 102.85%-89.6pp | 25.83%-12.6pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,567 | $6,322-43.6% | $7,759-54.0% | $4,194-15.0% |
| Admin fee / account holder | $5,767 | $7,838-26.4% | $13,620-57.7% | $7,856-26.6% |