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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 | $5,825 | $69,444-91.6% | $92,985-93.7% | $87,485-93.3% |
| Participation rate | 50.0% | 63.3%-13.3pp | 69.5%-19.5pp | 68.9%-18.9pp |
| Annual return | 12.29% | 23.85%-11.6pp | 27.99%-15.7pp | 26.06%-13.8pp |
| Employer contribution / active EE | $342 | $1,917-82.2% | $2,662-87.2% | $2,596-86.8% |
| Participant deferral / active EE | $1,709 | $3,364-49.2% | $4,377-61.0% | $4,274-60.0% |
| Admin fee / account holder | $1,027 | $6,137-83.3% | $9,463-89.1% | $7,775-86.8% |