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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 | $17,887 | $72,273-75.3% | $101,275-82.3% | $79,856-77.6% |
| Participation rate | 57.4% | 68.5%-11.0pp | 75.8%-18.4pp | 69.6%-12.2pp |
| Annual return | 9.85% | 22.30%-12.4pp | 46.48%-36.6pp | 31.71%-21.9pp |
| Employer contribution / active EE | $961 | $2,691-64.3% | $3,660-73.7% | $2,471-61.1% |
| Participant deferral / active EE | $2,063 | $3,282-37.1% | $4,371-52.8% | $3,741-44.9% |
| Admin fee / account holder | $904 | $4,401-79.5% | $5,948-84.8% | $5,306-83.0% |