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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 | $22,130 | $69,977-68.4% | $108,582-79.6% | $62,881-64.8% |
| Participation rate | 58.6% | 72.9%-14.3pp | 79.6%-20.9pp | 69.3%-10.7pp |
| Annual return | 4.75% | 10.73%-6.0pp | -51.70%+56.4pp | 20.14%-15.4pp |
| Employer contribution / active EE | $885 | $2,135-58.6% | $3,758-76.5% | $2,281-61.2% |
| Participant deferral / active EE | $3,942 | $3,165+24.6% | $4,311-8.6% | $3,203+23.1% |
| Admin fee / account holder | $4,309 | $5,076-15.1% | $7,645-43.6% | $4,296+0.3% |