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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $19,245 | $73,978-74.0% | $96,515-80.1% | $75,173-74.4% |
| Participation rate | 50.0% | 66.4%-16.4pp | 74.3%-24.3pp | 67.2%-17.2pp |
| Annual return | 4.30% | 26.72%-22.4pp | 35.73%-31.4pp | 160.72%-156.4pp |
| Employer contribution / active EE | $1,824 | $2,931-37.8% | $3,740-51.2% | $2,671-31.7% |
| Participant deferral / active EE | $3,293 | $3,660-10.0% | $4,880-32.5% | $4,126-20.2% |
| Admin fee / account holder | $902 | $5,219-82.7% | $6,735-86.6% | $5,651-84.0% |