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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 | $6,788 | $71,215-90.5% | $93,696-92.8% | $80,935-91.6% |
| Participation rate | 68.1% | 60.4%+7.7pp | 68.7%-0.6pp | 67.7%+0.4pp |
| Annual return | 7.41% | 11.27%-3.9pp | 133.74%-126.3pp | 35.66%-28.2pp |
| Employer contribution / active EE | $319 | $1,565-79.6% | $2,422-86.8% | $2,757-88.4% |
| Participant deferral / active EE | $2,509 | $4,037-37.8% | $4,417-43.2% | $4,299-41.6% |
| Admin fee / account holder | $1,417 | $6,958-79.6% | $8,287-82.9% | $6,924-79.5% |