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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 | $15,050 | $56,054-73.2% | $171,082-91.2% | $62,881-76.1% |
| Participation rate | 31.4% | 62.9%-31.4pp | 76.7%-45.3pp | 69.3%-37.9pp |
| Annual return | 0.82% | 22.52%-21.7pp | 32.56%-31.7pp | 20.14%-19.3pp |
| Employer contribution / active EE | $508 | $1,731-70.6% | $4,002-87.3% | $2,281-77.7% |
| Participant deferral / active EE | $1,110 | $3,158-64.9% | $4,797-76.9% | $3,203-65.4% |
| Admin fee / account holder | $8,014 | $3,647+119.8% | $8,520-5.9% | $4,296+86.6% |