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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 | $16,678 | $56,894-70.7% | $84,753-80.3% | $62,881-73.5% |
| Participation rate | 65.9% | 68.5%-2.7pp | 76.6%-10.7pp | 69.3%-3.5pp |
| Annual return | 1.04% | 6.30%-5.3pp | 22.78%-21.7pp | 20.14%-19.1pp |
| Employer contribution / active EE | $1,677 | $2,400-30.1% | $3,574-53.1% | $2,281-26.5% |
| Participant deferral / active EE | $2,229 | $2,709-17.7% | $3,712-40.0% | $3,203-30.4% |
| Admin fee / account holder | $4,306 | $3,581+20.2% | $5,333-19.3% | $4,296+0.2% |