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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 | $11,230 | $61,338-81.7% | $149,717-92.5% | $71,495-84.3% |
| Participation rate | 27.7% | 62.5%-34.9pp | 78.8%-51.1pp | 67.9%-40.3pp |
| Annual return | 7.46% | 35.86%-28.4pp | 134.41%-126.9pp | 28.85%-21.4pp |
| Employer contribution / active EE | $0 | $2,381-100.0% | $4,820-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,547 | $2,919-47.0% | $5,682-72.8% | $4,291-64.0% |
| Admin fee / account holder | $1,721 | $1,263+36.3% | $13,213-87.0% | $1,588+8.4% |