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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 | $18,165 | $101,795-82.2% | $165,100-89.0% | $80,959-77.6% |
| Participation rate | 41.9% | 71.8%-29.9pp | 78.6%-36.7pp | 67.7%-25.7pp |
| Annual return | 3.56% | 16.73%-13.2pp | 70.21%-66.7pp | 35.67%-32.1pp |
| Employer contribution / active EE | $541 | $2,954-81.7% | $4,348-87.6% | $2,757-80.4% |
| Participant deferral / active EE | $3,744 | $4,476-16.3% | $6,035-38.0% | $4,300-12.9% |
| Admin fee / account holder | $3,798 | $8,221-53.8% | $12,696-70.1% | $6,925-45.2% |