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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 | $15,818 | $75,963-79.2% | $97,995-83.9% | $70,126-77.4% |
| Participation rate | 36.0% | 77.0%-41.0pp | 82.4%-46.4pp | 69.5%-33.5pp |
| Annual return | 11.96% | 19.26%-7.3pp | 23.94%-12.0pp | 73.15%-61.2pp |
| Employer contribution / active EE | $1,147 | $3,278-65.0% | $4,158-72.4% | $2,343-51.0% |
| Participant deferral / active EE | $1,896 | $4,053-53.2% | $5,097-62.8% | $3,332-43.1% |
| Admin fee / account holder | $2,669 | $5,407-50.6% | $5,943-55.1% | $4,645-42.5% |