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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 | $15,617 | $60,349-74.1% | $74,184-78.9% | $62,881-75.2% |
| Participation rate | 31.7% | 72.7%-41.0pp | 76.6%-44.9pp | 69.3%-37.6pp |
| Annual return | 3.24% | 21.38%-18.1pp | 17.74%-14.5pp | 20.14%-16.9pp |
| Employer contribution / active EE | $632 | $1,680-62.4% | $2,370-73.3% | $2,281-72.3% |
| Participant deferral / active EE | $1,576 | $2,856-44.8% | $3,550-55.6% | $3,203-50.8% |
| Admin fee / account holder | $3,436 | $4,261-19.3% | $5,586-38.5% | $4,296-20.0% |