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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 | $17,408 | $60,352-71.2% | $74,185-76.5% | $62,881-72.3% |
| Participation rate | 33.3% | 72.7%-39.4pp | 76.6%-43.3pp | 69.3%-36.0pp |
| Annual return | 1.28% | 21.37%-20.1pp | 17.74%-16.5pp | 20.14%-18.9pp |
| Employer contribution / active EE | $609 | $1,680-63.8% | $2,370-74.3% | $2,281-73.3% |
| Participant deferral / active EE | $2,180 | $2,856-23.7% | $3,550-38.6% | $3,203-31.9% |
| Admin fee / account holder | $6,311 | $4,261+48.1% | $5,586+13.0% | $4,296+46.9% |