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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 | $20,192 | $138,393-85.4% | $184,256-89.0% | $80,959-75.1% |
| Participation rate | 64.0% | 83.9%-19.9pp | 86.8%-22.8pp | 67.7%-3.7pp |
| Annual return | 7.28% | 20.01%-12.7pp | 28.85%-21.6pp | 35.67%-28.4pp |
| Employer contribution / active EE | $1,755 | $4,847-63.8% | $6,427-72.7% | $2,757-36.3% |
| Participant deferral / active EE | $3,154 | $7,076-55.4% | $9,133-65.5% | $4,300-26.7% |
| Admin fee / account holder | $363 | $10,489-96.5% | $13,899-97.4% | $6,925-94.8% |