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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 | $16,844 | $72,492-76.8% | $87,104-80.7% | $72,975-76.9% |
| Participation rate | 64.0% | 72.8%-8.8pp | 76.9%-12.9pp | 69.5%-5.5pp |
| Annual return | 14.76% | 24.46%-9.7pp | 28.19%-13.4pp | 81.01%-66.3pp |
| Employer contribution / active EE | $1,775 | $1,894-6.3% | $2,521-29.6% | $2,440-27.3% |
| Participant deferral / active EE | $1,970 | $3,270-39.8% | $4,048-51.3% | $3,608-45.4% |
| Admin fee / account holder | $5,835 | $5,055+15.4% | $7,491-22.1% | $5,124+13.9% |