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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 | $28,795 | $87,834-67.2% | $133,975-78.5% | $62,881-54.2% |
| Participation rate | 44.6% | 83.4%-38.7pp | 87.1%-42.4pp | 69.3%-24.7pp |
| Annual return | 2.81% | 12.05%-9.2pp | 29.29%-26.5pp | 20.14%-17.3pp |
| Employer contribution / active EE | $927 | $3,482-73.4% | $5,211-82.2% | $2,281-59.4% |
| Participant deferral / active EE | $2,283 | $4,812-52.5% | $6,282-63.6% | $3,203-28.7% |
| Admin fee / account holder | $1,104 | $5,372-79.5% | $9,324-88.2% | $4,296-74.3% |