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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 | $32,777 | $138,386-76.3% | $184,260-82.2% | $80,935-59.5% |
| Participation rate | 51.5% | 83.9%-32.4pp | 86.8%-35.3pp | 67.7%-16.1pp |
| Annual return | 8.26% | 20.02%-11.8pp | 28.84%-20.6pp | 35.66%-27.4pp |
| Employer contribution / active EE | $3,358 | $4,851-30.8% | $6,427-47.8% | $2,757+21.8% |
| Participant deferral / active EE | $6,175 | $7,076-12.7% | $9,133-32.4% | $4,299+43.6% |
| Admin fee / account holder | $7,484 | $10,489-28.7% | $13,898-46.2% | $6,924+8.1% |