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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 | $20,470 | $87,106-76.5% | $105,607-80.6% | $80,935-74.7% |
| Participation rate | 41.4% | 70.4%-29.1pp | 75.3%-33.9pp | 67.7%-26.3pp |
| Annual return | 9.17% | 17.01%-7.8pp | 116.11%-106.9pp | 35.66%-26.5pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,685 | $3,986-57.7% | $5,011-66.4% | $4,299-60.8% |
| Admin fee / account holder | $523 | $8,447-93.8% | $10,958-95.2% | $6,924-92.4% |