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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 | $28,169 | $71,534-60.6% | $98,462-71.4% | $71,529-60.6% |
| Participation rate | 54.5% | 72.7%-18.2pp | 75.2%-20.7pp | 67.9%-13.5pp |
| Annual return | 12.10% | 32.44%-20.3pp | 21.17%-9.1pp | 28.97%-16.9pp |
| Employer contribution / active EE | $138 | $2,399-94.3% | $3,049-95.5% | $2,590-94.7% |
| Participant deferral / active EE | $1,987 | $4,109-51.6% | $4,738-58.1% | $4,291-53.7% |
| Admin fee / account holder | $4,411 | $1,677+163.1% | $8,875-50.3% | $1,588+177.7% |