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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 | $13,131 | $46,464-71.7% | $150,298-91.3% | $79,634-83.5% |
| Participation rate | 20.9% | 57.0%-36.0pp | 77.8%-56.8pp | 62.5%-41.6pp |
| Annual return | 3.07% | 27.89%-24.8pp | 62.79%-59.7pp | 36.46%-33.4pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $1,034 | $2,157-52.1% | $5,453-81.0% | $3,835-73.0% |
| Admin fee / account holder | $3,021 | $891+239.2% | $14,116-78.6% | $1,002+201.5% |